Side-by-side cost of living comparison for 2026
4% cheaper
Houston is 4% more affordable than Charlotte. A $75,000 salary in Charlotte is equivalent to $72,000 in Houston.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: North Carolina salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Charlotte has a housing index of 99 while Houston sits at 89 (national average = 100). The median home in Charlotte costs $330,000 compared to $250,000 in Houston, a difference of $80,000. Monthly rent follows a similar pattern: $1,500 in Charlotte versus $1,400 in Houston.
Groceries and everyday expenses show a notable difference: Charlotte scores 101 while Houston scores 94.
Healthcare costs in Charlotte (105) are higher than Houston (96). Both are close to the national average.
Median household income in Charlotte is $62,308 compared to $52,338 in Houston. When adjusted for cost of living, income goes further in Houston.
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