City comparison
Charlotte, NC vs McAllen, TX
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Charlotte, NC are 13.3% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $113,300 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 $847 in McAllen, TX. On $100,000, that's 24% of take-home pay in Charlotte, NC and 13% in McAllen, TX.
- On $100,000, estimated state income tax is about $3,481 a year higher in Charlotte, NC than in McAllen, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.2% moving from Charlotte, NC to McAllen, TX ($108,810 → $106,437), while prices change by −11.8%. Net effect of the transfer: +10.9% in real buying power.
- Charlotte, NC: price level 97.3 (cheaper)
- McAllen, TX: price level 85.9 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Charlotte, NC | McAllen, TX | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 85.9 |
| $100,000 is worth, in the other city2 | $88,235 in McAllen | $113,334 in Charlotte |
| Typical 1-bedroom rent3 | $1,538/mo | $847/mo |
| Take-home on $100,00014,15,8 | $75,699 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,481 (NC) | $0 (TX) |
| Rent burden on $100,000 | 24% | 13% |
| Median pay, all jobs4 | $49,990 | $35,830 |
| Federal locality pay area7 | Charlotte-Concord, NC-SC | Rest of U.S. |
Rent areas: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area and McAllen-Edinburg-Mission, TX MSA. Metro areas: Charlotte-Concord-Gastonia, NC-SC and McAllen-Edinburg-Mission, TX.
What costs more or less
| Price level (U.S. = 100) | Charlotte | McAllen |
|---|---|---|
| Housing (rent) | 97.6 | 55.9 |
| Goods | 96.6 | 93.8 |
| Utilities | 89.2 | 81.2 |
| Other services | 98.2 | 96.2 |
| Overall | 97.3 | 85.9 |
Moving with the same $100,000 salary
Charlotte, NC → McAllen, TX
Same pay goes further
Buying power +13.3%; rent takes 13% of take-home; state tax −$3,481/yr.
100 Strong offer
McAllen, TX → Charlotte, NC
Same pay buys less
Buying power −11.8%; rent takes 24% of take-home; state tax +$3,481/yr.
38 Weak offer
On the GS pay scale?
Charlotte, NC is in the Charlotte-Concord, NC-SC pay area; McAllen, TX is in Rest of U.S.. The last column shows what a transfer from Charlotte, NC to McAllen, TX at the same grade and step does to real buying power.
| Grade5,2 | Charlotte, NC | McAllen, TX | Real change, Charlotte → McAllen |
|---|---|---|---|
| GS-9 step 1 | $63,098 | $61,722 | +10.9% |
| GS-11 step 1 | $76,343 | $74,678 | +10.9% |
| GS-12 step 1 | $91,503 | $89,508 | +10.9% |
| GS-13 step 1 | $108,810 | $106,437 | +10.9% |
| GS-14 step 1 | $128,581 | $125,776 | +10.9% |
Pay for common jobs
| Median annual pay4 | Charlotte, NC | McAllen, TX | McAllen pay in Charlotte dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,680 | $63,110 | $71,525 (+21.9%) |
| Software Developers | $135,920 | $116,120 | $131,603 (−3.2%) |
| Accountants and Auditors | $92,910 | $64,470 | $73,066 (−21.4%) |
| Registered Nurses | $90,620 | $80,540 | $91,279 (+0.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.