City comparison
Charlotte, NC vs Lancaster, PA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Overall prices in Charlotte, NC (97.3) and Lancaster, PA (98.3, U.S. average = 100) are within 1% of each other, so $100,000 in Charlotte, NC goes as far as $100,900 in Lancaster, PA.
- Rent is the bigger story: a typical 1-bedroom costs $1,538 a month in Charlotte, NC versus $1,220 in Lancaster, PA. On $100,000, that's 24% of take-home pay in Charlotte, NC and 19% in Lancaster, PA.
- On $100,000, estimated state income tax is about $411 a year higher in Charlotte, NC than in Lancaster, PA.
- For federal employees, locality pay changes a GS-13 step 1 salary by −0.2% moving from Charlotte, NC to Lancaster, PA ($108,810 → $108,592), while prices change by +0.9%. Net effect of the transfer: −1.1% in real buying power.
- Charlotte, NC: price level 97.3 (cheaper)
- Lancaster, PA: price level 98.3 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Charlotte, NC | Lancaster, PA | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 98.3 |
| $100,000 is worth, in the other city2 | $100,934 in Lancaster | $99,075 in Charlotte |
| Typical 1-bedroom rent3 | $1,538/mo | $1,220/mo |
| Take-home on $100,00014,15,8 | $75,699 | $76,110 |
| State income tax on $100,000 (estimate)8 | $3,481 (NC) | $3,070 (PA) |
| Rent burden on $100,000 | 24% | 19% |
| Median pay, all jobs4 | $49,990 | $48,210 |
| Federal locality pay area7 | Charlotte-Concord, NC-SC | Harrisburg-Lebanon, PA |
Rent areas: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area and Lancaster, PA MSA. Metro areas: Charlotte-Concord-Gastonia, NC-SC and Lancaster, PA.
What costs more or less
| Price level (U.S. = 100) | Charlotte | Lancaster |
|---|---|---|
| Housing (rent) | 97.6 | 93.8 |
| Goods | 96.6 | 100.7 |
| Utilities | 89.2 | 107.3 |
| Other services | 98.2 | 97.7 |
| Overall | 97.3 | 98.3 |
Moving with the same $100,000 salary
Charlotte, NC → Lancaster, PA
Roughly even
Buying power −0.9%; rent takes 19% of take-home; state tax −$411/yr.
66 Fair offer
Lancaster, PA → Charlotte, NC
Roughly even
Buying power +0.9%; rent takes 24% of take-home; state tax +$411/yr.
72 Strong offer
On the GS pay scale?
Charlotte, NC is in the Charlotte-Concord, NC-SC pay area; Lancaster, PA is in Harrisburg-Lebanon, PA. The last column shows what a transfer from Charlotte, NC to Lancaster, PA at the same grade and step does to real buying power.
| Grade5,2 | Charlotte, NC | Lancaster, PA | Real change, Charlotte → Lancaster |
|---|---|---|---|
| GS-9 step 1 | $63,098 | $62,972 | −1.1% |
| GS-11 step 1 | $76,343 | $76,190 | −1.1% |
| GS-12 step 1 | $91,503 | $91,320 | −1.1% |
| GS-13 step 1 | $108,810 | $108,592 | −1.1% |
| GS-14 step 1 | $128,581 | $128,323 | −1.1% |
Pay for common jobs
| Median annual pay4 | Charlotte, NC | Lancaster, PA | Lancaster pay in Charlotte dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,680 | $78,360 | $77,635 (+32.3%) |
| Software Developers | $135,920 | $104,740 | $103,771 (−23.7%) |
| Accountants and Auditors | $92,910 | $76,110 | $75,406 (−18.8%) |
| Registered Nurses | $90,620 | $89,620 | $88,791 (−2.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.