Cost Of Living in Montreat, NC

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F

45%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

148%

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	Montreat	North Carolina	National
Cost of living	145	96	100
Groceries	102	100	100
Health care	99	99	100
Housing	248	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 Montreat, NC

212 Harmony LN #1142

Montreat, NC

287 North Carolina Ter

Montreat, NC

Cost Of Living Quick Facts

The cost of living in Montreat is 51% higher than the North Carolina average
The cost of living in Montreat is 45% higher than the national average
Montreat housing is 148% higher 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	$287,809	$23,984	$6,715	$8,635
Renters	$0	$0	$0	$0

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.
Old Fort, NC	769	87	13.0%
Swannanoa, NC	4,534	94	5.9%
Hoopers Creek, NC	1,427	100	0.4%
Mars Hill, NC	3,152	108	7.9%
Chimney Rock Village, NC	178	108	8.1%
Montreat, NC	369	145	45.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Malta, ID	369	92	7.9%
Forest, LA	369	84	15.9%
Garfield, MN	369	93	7.3%
Hayti Heights, MO	369	73	27.1%
St. Pierre, MT	369	79	21.3%
Montreat, NC	369	145	45.1%