City comparison
Charlotte, NC vs Lincoln, NE
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Charlotte, NC are 6.3% higher than in Lincoln, NE. Someone earning $100,000 in Lincoln, NE would need about $106,300 in Charlotte, NC to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,538 a month in Charlotte, NC versus $926 in Lincoln, NE. On $100,000, that's 24% of take-home pay in Charlotte, NC and 15% in Lincoln, NE.
- Estimated state income tax on $100,000 is close: $3,481 a year in NC and $3,670 in NE.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.2% moving from Charlotte, NC to Lincoln, NE ($108,810 → $106,437), while prices change by −5.9%. Net effect of the transfer: +4.0% in real buying power.
- Charlotte, NC: price level 97.3 (cheaper)
- Lincoln, NE: price level 91.6 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Charlotte, NC | Lincoln, NE | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 91.6 |
| $100,000 is worth, in the other city2 | $94,076 in Lincoln | $106,297 in Charlotte |
| Typical 1-bedroom rent3 | $1,538/mo | $926/mo |
| Take-home on $100,00014,15,8 | $75,699 | $75,510 |
| State income tax on $100,000 (estimate)8 | $3,481 (NC) | $3,670 (NE) |
| Rent burden on $100,000 | 24% | 15% |
| Median pay, all jobs4 | $49,990 | $49,800 |
| Federal locality pay area7 | Charlotte-Concord, NC-SC | Rest of U.S. |
Rent areas: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area and Lincoln, NE HUD Metro FMR Area. Metro areas: Charlotte-Concord-Gastonia, NC-SC and Lincoln, NE.
What costs more or less
| Price level (U.S. = 100) | Charlotte | Lincoln |
|---|---|---|
| Housing (rent) | 97.6 | 84.2 |
| Goods | 96.6 | 94.1 |
| Utilities | 89.2 | 76.8 |
| Other services | 98.2 | 93.0 |
| Overall | 97.3 | 91.6 |
Moving with the same $100,000 salary
Charlotte, NC → Lincoln, NE
Same pay goes further
Buying power +6.3%; rent takes 15% of take-home; state tax +$189/yr.
88 Strong offer
Lincoln, NE → Charlotte, NC
Same pay buys less
Buying power −5.9%; rent takes 24% of take-home; state tax −$189/yr.
50 Fair offer
On the GS pay scale?
Charlotte, NC is in the Charlotte-Concord, NC-SC pay area; Lincoln, NE is in Rest of U.S.. The last column shows what a transfer from Charlotte, NC to Lincoln, NE at the same grade and step does to real buying power.
| Grade5,2 | Charlotte, NC | Lincoln, NE | Real change, Charlotte → Lincoln |
|---|---|---|---|
| GS-9 step 1 | $63,098 | $61,722 | +4.0% |
| GS-11 step 1 | $76,343 | $74,678 | +4.0% |
| GS-12 step 1 | $91,503 | $89,508 | +4.0% |
| GS-13 step 1 | $108,810 | $106,437 | +4.0% |
| GS-14 step 1 | $128,581 | $125,776 | +4.0% |
Pay for common jobs
| Median annual pay4 | Charlotte, NC | Lincoln, NE | Lincoln pay in Charlotte dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,680 | $61,940 | $65,840 (+12.2%) |
| Software Developers | $135,920 | $101,690 | $108,094 (−20.5%) |
| Accountants and Auditors | $92,910 | $65,170 | $69,274 (−25.4%) |
| Registered Nurses | $90,620 | $87,530 | $93,042 (+2.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.