| Index | Havelock | North Carolina | National |
| Cost of living | 95 | 96 | 100 |
| Groceries | 99 | 100 | 100 |
| Health care | 99 | 99 | 100 |
| Housing | 87 | 88 | 100 |
| Transportation | 99 | 99 | 100 |
| Utilities | 97 | 99 | 100 |
| Lifestyle & Entertainment | 97 | 100 | 100 |
| Household Items | 101 | 100 | 100 |
| Education & Childcare | 94 | 100 | 100 |
The cost of living in Havelock affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Havelock is 95, which is 5% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
In Havelock, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Havelock will resemble that of an average city, contributing to a manageable cost of living.
Is Havelock an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Havelock, the median home price is 23.2% lower than what most folks pay across the country, and monthly rent prices are 9.4% higher than the usual rates. Income levels in Havelock come in at $75,000, which is 7.8% lower than the national average.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Havelock, the utilities index registers at 2.8% lower than the national average.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Havelock, the groceries index is 0.7% lower than the national average.
The Havelock cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
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| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $101,538 | $8,462 | $2,369 | $3,046 |
| Renters | $65,459 | $5,455 | $1,527 | $1,964 |
| State | General Sales Tax | With Max Surtax |
| North Carolina | 4.75% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| North Carolina | 4.75% | 4.75% |
| City | Population | Cost of Living Index | National Avg. |
| Arapahoe, NC | 407 | 88 | 11.7% |
| Peletier, NC | 669 | 93 | 7.4% |
| James City, NC | 5,489 | 93 | 6.8% |
| New Bern, NC | 30,984 | 95 | 4.6% |
| Newport, NC | 4,772 | 97 | 3.3% |
| Havelock, NC | 20,409 | 95 | 5.2% |
| City | Population | Cost of Living Index | National Avg. |
| Bothell West, WA | 20,411 | 151 | 51.1% |
| Howard, WI | 20,411 | 103 | 2.7% |
| Belle Glade, FL | 20,401 | 93 | 7.3% |
| Hauppauge, NY | 20,417 | 154 | 53.8% |
| Meadowbrook, VA | 20,418 | 107 | 7.1% |
| Havelock, NC | 20,409 | 95 | 5.2% |
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