Side-by-side cost of living comparison for 2026
13% cheaper
Charlotte is 13% more affordable than Eugene. A $75,000 salary in Eugene is equivalent to $65,217 in Charlotte.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: North Carolina salaries · Oregon salaries
Housing is typically the biggest factor in any cost-of-living comparison. Charlotte has a housing index of 99 while Eugene sits at 130 (national average = 100). The median home in Charlotte costs $330,000 compared to $380,000 in Eugene, a difference of $50,000. Monthly rent follows a similar pattern: $1,500 in Charlotte versus $1,400 in Eugene.
Groceries and everyday expenses show a narrower gap: Charlotte scores 101 while Eugene scores 103. Both cities are close to the national average for grocery costs.
Healthcare costs in Charlotte (105) are lower than Eugene (106). Both are close to the national average.
Median household income in Charlotte is $62,308 compared to $49,448 in Eugene. When adjusted for cost of living, income goes further in Charlotte.
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