Cost of Living in Murphy, NC

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A+
7%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
17%
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 Murphy North Carolina National
Cost of living9396100
Groceries96100100
Health care9699100
Housing8388100
Transportation9599100
Utilities9999100
Lifestyle & Entertainment98100100
Household Items100100100
Education & Childcare101100100
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Homes For Sale In Murphy, NC

property for sale

340 Vista Hills Rd

Murphy, NC
property for sale

99 Noelles PASS

Murphy, NC
property for sale

240 Amandas Way

Murphy, NC
property for sale

100 Carvers View Trl

Murphy, NC

Cost Of Living Quick Facts

  • The cost of living in Murphy is 3% lower than the North Carolina average
  • The cost of living in Murphy is 7% lower than the national average
  • Murphy housing is 17% 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 Murphy

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Compare Murphy, NC Cost of Living

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      The best places in North Carolina

      Here are the best places to live in North CarolinaCheck out the 10 safest cities in North CarolinaSee the best places to live in MurphyThese are the largest cities in North Carolina
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      Salary Calculator

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      Cost of living index
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      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$91,360$7,613$2,132$2,741
      Renters$33,986$2,832$793$1,020

      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.
      Mineral Bluff, GA345972.8%
      Andrews, NC1,9708316.7%
      Young Harris, GA1,0908910.7%
      Hayesville, NC396955.2%
      Marble, NC566982.3%
      Murphy, NC1,903936.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Cleary, MS1,9038614.5%
      Rivanna, VA1,90318180.6%
      McMechen, WV1,9038218.2%
      East Kootenay E, BC1,903n/a 
      Maggie Valley, NC1,9041043.5%
      Murphy, NC1,903936.9%
      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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