City Comparison

Charleston vs Irving

Cost of Living Comparison · 2026

Charleston

West Virginia
85
Very Affordable
$135,000
Median Home
$850/mo
Median Rent
$42,034
Median Income

Irving

Texas
100
Average
$318,000
Median Home
$1,350/mo
Median Rent
$73,400
Median Income

The Verdict

15.0%

The cost gap between these cities is 15.0%, with Charleston being the more affordable option. A $75,000 income in Charleston has equivalent purchasing power to $88,235 in Irving.

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Housing
62
Charleston
94
Irving
Groceries
97
Charleston
99
Irving
Utilities
92
Charleston
111
Irving
Transportation
97
Charleston
97
Irving
Healthcare
91
Charleston
103
Irving

Salary Equivalence

A $75,000 salary in Charleston has the same purchasing power as $88,235 in Irving.

Conversely, $75,000 in Irving equals $63,750 in Charleston.

Living in Charleston vs Irving

Housing Costs

Charleston's housing index of 62 is lower Irving's 94, translating to median home prices of $135,000 vs $318,000. The $183,000 difference in home prices means roughly $11,892 per year in additional mortgage costs at current rates. Renters face a similar gap: $850/mo in Charleston compared to $1,350/mo in Irving, a monthly difference of $500.

Grocery & Food Costs

Grocery expenses index at 97 in Charleston and 99 in Irving. A household spending the national average of $475/month on groceries would pay approximately $461/month in Charleston vs $470/month in Irving. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 92 in Charleston and 111 in Irving. Monthly utility bills average approximately $368 in Charleston vs $444 in Irving. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 91 in Charleston and 103 in Irving. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $42,034 in Charleston and $73,400 in Irving. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,452 and $73,400 respectively. Irving residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $981/month to housing in Charleston vs $1,713/month in Irving. In Charleston, median rent of $850/mo fits within this budget. In Irving, median rent of $1,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 32 index points — focus your budget analysis there.

Frequently Asked Questions

Charleston is 15.0% more affordable overall with an index of 85 vs 100.
A $75,000 salary in Charleston has equivalent purchasing power to approximately $88,235 in Irving, based on the cost of living difference.
Charleston's housing index is 62 with median homes at $135,000, while Irving's is 94 with median homes at $318,000.

Moving & Relocation Resources

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