Cost of Living in Raleigh, NC (2026) – Salary Needed & Budget Calculator

Thinking about moving to Raleigh? Use this 2026 Raleigh cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.

Monthly Budget Breakdown

Net Monthly Income
$3,695.33
Estimated Expenses
$3,238.20
Monthly Remaining
$457.13
Tight Budget
🟢 Budget Assessment

You have very little buffer for savings or emergencies. A frugal lifestyle may be required.

With this income, you can potentially save around $5,486 per year.
Category Monthly Cost
Rent (Single) $1,550.00
Utilities $262.00
Groceries $450.00
Transportation (Public) $350.00
Healthcare $400.00
Miscellaneous (10.0%) $226.20
Total Estimated Costs $3,238.20
Tax & Benefits Breakdown
Federal: $434.67/mo
FICA: $382.50/mo
State: $237.50/mo
Benefits: $250.00/mo

Quality of Life & Environment

Local Climate

Enjoy 186 days of sunshine per year. Summer highs avg 89°F, while winter lows dip to 23°F.

Safety & Crime Rate
Very High 81/100

Raleigh ranks as a very high safety zone compared to national averages for similar-sized metros.

Environmental Index

Air quality and environmental health factors in North Carolina remain a key priority for 2026.

Good Air Quality

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Raleigh, NC Cost of Living Guide (2026)

As you consider relocating to Raleigh, North Carolina, budgeting for 2026 should focus on housing trends and tax implications.

🏠 2026 Housing & Rent

Residential space in Raleigh offers diverse options. Median 1-bedroom rents are currently holding at $1,550 for the 2026 cycle, with 2-bedroom family units scaling accordingly.

💰 Taxes and Financial Planning

When evaluating your move to Raleigh, consider that North Carolina levies a 4.75% income tax. This factor, combined with local sales taxes, defines the overall tax burden for professionals in the region.

🌟 Local Vibe & Lifestyle

Living in Raleigh provides access to a variety of recreational activities and a growing culinary scene. It is a city that prides itself on safety and local heritage.

Salary Needed to Live Comfortably

In our estimation, to live a comfortable life in Raleigh with a buffer for savings and hobbies, you would need a gross annual salary of approximately:

$67,811.20

This assumes you want to save at least $1,000 per month after all expenses and taxes.

Frequently Asked Questions

Raleigh's cost of living is relative. Compared to major hubs like NYC or SF, it remains more accessible. Currently, a median 1-bedroom apartment in Raleigh rents for approximately $1,550.

Based on local 2026 data, a single professional would typically need a gross annual salary of at least $67,811 to live comfortably, allowing for savings and leisure after paying for rent, taxes, and groceries.

Raleigh has a safety score of 81/100, which is considered very high according to our latest 2026 neighborhood analytics.
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Calculator Disclaimer

The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.