Wilmington cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexWilmingtonNorth CarolinaNational
Cost of living index10797100
IndexWilmingtonNorth CarolinaNational
Goods & Services index98101100
Groceries index101100100
Health care index111104100
Housing index11787100
Transportation index111102100
Utilities index111100100
A general summary of the cost of living index in Wilmington, NC is shown above. Compared to the state average of North Carolina the cost of living index in Wilmington, NC is 107, which is 11% higher than the average in North Carolina and compared to the national average it is 7% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Wilmington, NC goods and services come in at 3% lower than the average in North Carolina and are 2% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Wilmington is 11% higher than the North Carolina average.
  • The cost of living in Wilmington is 7% higher than the national average.
  • The cost of housing in Wilmington is 17% higher than the national average.
  • North Carolina general sales tax is 7% lower than the national average.
  • North Carolina state income tax is 159% higher than the national average.

Find Real Estate Listings In Wilmington


New Real Estate Listings In Wilmington

Compare Wilmington, NC Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in Wilmington, NC to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Wilmington, NC, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Wilmington, NC salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Wilmington, NC as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Wilmington, NC homeowners, the median income is $71,509. This indicates that a monthly maximum of $1,668 should be spent by homeowners on all housing related costs. Renters have a median income of $27,753. This indicates that renters should have a maximum of $648 used for their rent related monthly costs.

North Carolina Sales Tax

StateGeneral Sales TaxWith Max Surtax
North Carolina4.75%7.5%

North Carolina Income Tax

StateIncome Tax (Low)Income Tax (High)
North Carolina5.75%5.75%
For those who live in Wilmington, NC and want to know what the true cost of living is, they ought to look at both the North Carolina income tax rate and the North Carolina sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In North Carolina, the sales tax is 4.75%, while the most you'll pay in surtax is 7.5%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in North Carolina, the income tax rate ranges between 5.75% to 5.75%.

Goods & Services

ItemWilmingtonNational avg.Difference
Haircut $14.33$14.591.8%
Beauty Salon $39.50$34.6813.9%
Toothpaste $2.36$2.474.6%
Shampoo $1.13$1.0210.6%
Movie $10.50$9.876.4%
Bowling $3.40$4.3922.6%


ItemWilmingtonNational avg.Difference
Ground Beef $5.49$4.4822.6%
Fried Chicken $1.57$1.467.2%
Milk $2.72$2.3615.4%
Potatoes $3.69$3.0620.5%
Pizza $8.66$9.246.3%
Beer $8.49$8.631.7%

Health Care

ItemWilmingtonNational avg.Difference
Optometrist $105.67$99.785.9%
Doctor $126.33$105.0320.3%
Dentist $96.67$88.709.0%
Ibuprofen $9.24$9.411.8%
Lipitor $321.54$298.507.7%


ItemWilmingtonNational avg.Difference
Home Price $224,100.00$175,700.0027.5%
Avg. Mortgage Payment $1,000.22$1,081.037.5%
Apartment Rent $850.00$920.007.6%


ItemWilmingtonNational avg.Difference
Gasoline $2.23$2.096.4%
Tire Balancing $55.32$45.2922.2%


ItemWilmingtonNational avg.Difference
All Electricity$173.54$170.801.6%
Phone $35.01$28.2623.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Blue Clay Farms, NC1197-3%
Bolivia, NC29289-11%
Northwest, NC88190-10%
Navassa, NC1,91993-7%
Sandy Creek, NC31994-6%
Wilmington, NC110,1001077%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Manchester, NH110,06511616%
Waterbury, CT109,88711111%
Arvada, CO109,8001099%
Fargo, ND110,72595-5%
Miami Gardens, FL110,8671000%
Wilmington, NC110,1001077%
Source: The Wilmington, NC cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.