City comparison
Charlotte, NC vs Jacksonville, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Jacksonville, FL are 2.2% higher than in Charlotte, NC. Someone earning $100,000 in Charlotte, NC would need about $102,200 in Jacksonville, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,538 a month in Charlotte, NC versus $1,382 in Jacksonville, FL. On $100,000, that's 24% of take-home pay in Charlotte, NC and 21% in Jacksonville, FL.
- On $100,000, estimated state income tax is about $3,481 a year higher in Charlotte, NC than in Jacksonville, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.2% moving from Charlotte, NC to Jacksonville, FL ($108,810 → $106,437), while prices change by +2.2%. Net effect of the transfer: −4.3% in real buying power.
- Charlotte, NC: price level 97.3 (cheaper)
- Jacksonville, FL: price level 99.5 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Charlotte, NC | Jacksonville, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 99.5 |
| $100,000 is worth, in the other city2 | $102,194 in Jacksonville | $97,853 in Charlotte |
| Typical 1-bedroom rent3 | $1,538/mo | $1,382/mo |
| Take-home on $100,00014,15,8 | $75,699 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,481 (NC) | $0 (FL) |
| Rent burden on $100,000 | 24% | 21% |
| Median pay, all jobs4 | $49,990 | $48,830 |
| Federal locality pay area7 | Charlotte-Concord, NC-SC | Rest of U.S. |
Rent areas: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area and Jacksonville, FL HUD Metro FMR Area. Metro areas: Charlotte-Concord-Gastonia, NC-SC and Jacksonville, FL.
What costs more or less
| Price level (U.S. = 100) | Charlotte | Jacksonville |
|---|---|---|
| Housing (rent) | 97.6 | 109.8 |
| Goods | 96.6 | 96.2 |
| Utilities | 89.2 | 87.5 |
| Other services | 98.2 | 98.9 |
| Overall | 97.3 | 99.5 |
Moving with the same $100,000 salary
Charlotte, NC → Jacksonville, FL
Same pay buys less
Buying power −2.1%; rent takes 21% of take-home; state tax −$3,481/yr.
62 Fair offer
Jacksonville, FL → Charlotte, NC
Same pay goes further
Buying power +2.2%; rent takes 24% of take-home; state tax +$3,481/yr.
76 Strong offer
On the GS pay scale?
Charlotte, NC is in the Charlotte-Concord, NC-SC pay area; Jacksonville, FL is in Rest of U.S.. The last column shows what a transfer from Charlotte, NC to Jacksonville, FL at the same grade and step does to real buying power.
| Grade5,2 | Charlotte, NC | Jacksonville, FL | Real change, Charlotte → Jacksonville |
|---|---|---|---|
| GS-9 step 1 | $63,098 | $61,722 | −4.3% |
| GS-11 step 1 | $76,343 | $74,678 | −4.3% |
| GS-12 step 1 | $91,503 | $89,508 | −4.3% |
| GS-13 step 1 | $108,810 | $106,437 | −4.3% |
| GS-14 step 1 | $128,581 | $125,776 | −4.3% |
Pay for common jobs
| Median annual pay4 | Charlotte, NC | Jacksonville, FL | Jacksonville pay in Charlotte dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,680 | $61,080 | $59,769 (+1.9%) |
| Software Developers | $135,920 | $130,330 | $127,532 (−6.2%) |
| Accountants and Auditors | $92,910 | $79,960 | $78,243 (−15.8%) |
| Registered Nurses | $90,620 | $83,520 | $81,727 (−9.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.