Cost of Living in Half Moon, NC

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4%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
16%
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 Half Moon North Carolina National
Cost of living9696100
Groceries102100100
Health care10199100
Housing8488100
Transportation10299100
Utilities10199100
Lifestyle & Entertainment101100100
Household Items100100100
Education & Childcare100100100
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Homes For Sale In Half Moon, NC

property for sale

158 Jupiter Trl

Jacksonville, NC
property for sale

305 Wrenview Ct Lot 50

Jacksonville, NC
property for sale

109 Ramsey Dr

Jacksonville, NC
property for sale

433 Oak Knoll Dr Lot 61

Jacksonville, NC

Cost Of Living Quick Facts

  • The cost of living in Half Moon is equal to the North Carolina average
  • The cost of living in Half Moon is 4% lower than the national average
  • Half Moon housing is 16% 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

Most Affordable Places to Live in and Around Half Moon

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      Salary Calculator

      This is how much you would need to earn in
      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$88,000$7,333$2,053$2,640
      Renters$57,854$4,821$1,350$1,736
      The affordability of the housing market in Half Moon, NC as well as the overall cost of living can be predicted 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 be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Half Moon homeowners, the median income is $88,000. This indicates that a monthly maximum of $2,053 should be spent by homeowners on all housing related costs. Renters have a median income of $57,854. This indicates that renters would have a maximum of $1,350 for their rent related monthly costs.

      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.
      Potters Hill, NC7738415.6%
      Pollocksville, NC2938812.1%
      Maysville, NC1,024909.8%
      Pumpkin Center, NC1,891973.1%
      Piney Green, NC14,825973.0%
      Half Moon, NC8,633964.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Columbia-Shuswap C, BC8,632n/a 
      Virginia, MN8,6348712.7%
      Portugal Cove-St. Philip's, NL8,634n/a 
      Revelstoke, BC8,635n/a 
      Denison, IA8,6308613.8%
      Half Moon, NC8,633964.2%
      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.
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