Side-by-side cost of living comparison for 2026
39% cheaper
Charlotte is 39% more affordable than Oakland. A $75,000 salary in Oakland is equivalent to $45,455 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 · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Charlotte has a housing index of 99 while Oakland sits at 264 (national average = 100). The median home in Charlotte costs $330,000 compared to $780,000 in Oakland, a difference of $450,000. Monthly rent follows a similar pattern: $1,500 in Charlotte versus $2,700 in Oakland.
Groceries and everyday expenses show a notable difference: Charlotte scores 101 while Oakland scores 109.
Healthcare costs in Charlotte (105) are lower than Oakland (113).
Median household income in Charlotte is $62,308 compared to $73,692 in Oakland. When adjusted for cost of living, income goes further in Charlotte.
Amazon affiliate links