Cost of Living in James City, NC

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A+
7%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
19%
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 James City North Carolina National
Cost of living9396100
Groceries99100100
Health care9999100
Housing8188100
Transportation9999100
Utilities9799100
Lifestyle & Entertainment97100100
Household Items101100100
Education & Childcare94100100
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Homes For Sale In James City, NC

property for sale

112 Conner Grant Rd

New Bern, NC
property for sale

129 Hidden Pond Dr

New Bern, NC
property for sale

205 Selover Ave

New Bern, NC
property for sale

114 Jordan Dr

New Bern, NC

Cost Of Living Quick Facts

  • The cost of living in James City is 3% lower than the North Carolina average
  • The cost of living in James City is 7% lower than the national average
  • James City housing is 19% 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 James City

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      Salary Calculator

      This is how much you would need to earn in
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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$99,557$8,296$2,323$2,987
      Renters$43,091$3,591$1,005$1,293
      The affordability of the housing market in James City, 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 James City homeowners, the median income is $99,557. This indicates that a monthly maximum of $2,323 should be spent by homeowners on all housing related costs. Renters have a median income of $43,091. This indicates that renters would have a maximum of $1,005 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.
      Alliance, NC1,1408317.3%
      Aurora, NC7908416.0%
      Vanceboro, NC1,0958415.7%
      Grantsboro, NC6058713.0%
      Pollocksville, NC2938812.1%
      James City, NC5,489936.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kittery, ME5,48912423.8%
      Fairport, NY5,4891098.6%
      Evansville, WI5,489991.3%
      Linton, IN5,4918118.6%
      Saint-Roch-de-l'Achigan, QC5,486n/a 
      James City, NC5,489936.8%
      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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