Cost Of Living in Cherokee, NC

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A+

8%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

30%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Cherokee	North Carolina	National
Cost of living	92	96	100
Groceries	102	100	100
Health care	99	99	100
Housing	70	88	100
Transportation	100	99	100
Utilities	97	99	100
Lifestyle & Entertainment	106	100	100
Household Items	102	100	100
Education & Childcare	102	100	100

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Homes For Sale In Cherokee, NC

Lot 3 River Valley ESTS

Whittier, NC

4 Old # 4 RD

Cherokee (Jackson Co.), NC

Lot 20 Walnut Cove Br #20

, NC

2 Black Rock Rd

Sylva, NC

Cost Of Living Quick Facts

The cost of living in Cherokee is 5% lower than the North Carolina average
The cost of living in Cherokee is 8% lower than the national average
Cherokee housing is 30% lower than the national average
North Carolina general sales tax is 7% lower than the national average
North Carolina state income tax is 83% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$82,549	$6,879	$1,926	$2,477
Renters	$32,286	$2,691	$753	$969

North Carolina Sales Tax

State	General Sales Tax	With Max Surtax
North Carolina	4.75%	7.5%

North Carolina Income Tax

State	Income Tax (Low)	Income Tax (High)
North Carolina	4.75%	4.75%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Forest Hills, NC	332	94	5.6%
Sylva, NC	2,804	97	3.0%
Dillsboro, NC	223	100	0.2%
Bryson City, NC	1,829	97	2.7%
Maggie Valley, NC	1,904	104	3.5%
Cherokee, NC	2,165	92	8.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Columbia, CA	2,165	130	30.2%
South Taft, CA	2,165	101	0.9%
Burns Harbor, IN	2,165	99	1.3%
Moundridge, KS	2,165	90	10.0%
Eureka Mill, SC	2,165	85	15.3%
Cherokee, NC	2,165	92	8.4%