Cost Of Living in Hamilton, NC

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13%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

43%

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	Hamilton	North Carolina	National
Cost of living	87	96	100
Groceries	101	100	100
Health care	96	99	100
Housing	57	88	100
Transportation	99	99	100
Utilities	95	99	100
Lifestyle & Entertainment	103	100	100
Household Items	97	100	100
Education & Childcare	104	100	100

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Homes For Sale In Hamilton, NC

402 N Front St

Hamilton, NC

308 N Front St

Hamilton, NC

Cost Of Living Quick Facts

The cost of living in Hamilton is 10% lower than the North Carolina average
The cost of living in Hamilton is 13% lower than the national average
Hamilton housing is 43% 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	$58,168	$4,847	$1,357	$1,745
Renters	$45,486	$3,791	$1,061	$1,365

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.
Speed, NC	85	98	2.2%
Scotland Neck, NC	1,832	80	19.6%
Lewiston Woodville, NC	422	83	17.1%
Robersonville, NC	1,642	85	15.3%
Bethel, NC	2,049	85	15.2%
Hamilton, NC	233	87	13.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Fruitdale, AL	233	77	23.1%
Ebro, FL	233	101	1.0%
Everglades, FL	233	109	8.6%
Arthur, IA	233	77	22.5%
Cleghorn, IA	233	81	19.0%
Hamilton, NC	233	87	13.5%