Cost of Living: Charlotte, NC vs Irving, TX (2026)

Charlotte

North Carolina
108
VS

Irving

Texas
102

Charlotte is 6% more expensive than Irving.

$1,504/mo ≈ Same
Median Rent
$1,517/mo ≈ Same
$78,438/yr ↓ 2%
Median Income
$79,641/yr ↑ 2%
$351,500 ↑ 22%
Home Value
$287,300 ↓ 18%
$1,487/mo ↓ 2%
Owner Costs
$1,521/mo ↑ 2%
886,283
Population
255,036

Tax Comparison

4.5%
Income Tax
0%
4.75%
State Sales Tax
6.25%
0.8%
Property Tax
1.6%

Affordability

23.0%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Charlotte, NC and Irving, TX, the overall cost of living indices are 108 and 102 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $1,203/year higher in Irving. Home values also differ significantly — the median in Charlotte is $351,500 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over North Carolina's 4.5% rate.

Frequently Asked Questions

Charlotte vs Irving — common questions

Is Charlotte or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 108 (US average = 100).
What is the rent difference between Charlotte and Irving?
Median rent in Charlotte is $1,504/month and in Irving it's $1,517/month — a difference of $13/month.
Which city has higher income, Charlotte or Irving?
Median household income is $78,438 in Charlotte and $79,641 in Irving. Median household income is $1,203/year higher in Irving.
How do taxes compare between North Carolina and Texas?
North Carolina has 4.5% income tax, 4.75% sales tax, and 0.8% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Charlotte or Irving?
It depends on your priorities. Charlotte has a cost index of 108 with median rent of $1,504/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Charlotte details → View Irving details →

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