Cost Of Living in North Topsail Beach, NC

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C+

15%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

47%

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	North Topsail Beach	North Carolina	National
Cost of living	115	96	100
Groceries	102	100	100
Health care	101	99	100
Housing	147	88	100
Transportation	102	99	100
Utilities	101	99	100
Lifestyle & Entertainment	101	100	100
Household Items	100	100	100
Education & Childcare	100	100	100

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Homes For Sale In North Topsail Beach, NC

1928 New River Inlet Rd #221

North Topsail Beach, NC

3536 Island Dr

N Topsail Beach, NC

2000 New River Inlet Rd Unit 3211

North Topsail Beach, NC

1928 New River Inlet Rd #215

N Topsail Beach, NC

Cost Of Living Quick Facts

The cost of living in North Topsail Beach is 20% higher than the North Carolina average
The cost of living in North Topsail Beach is 15% higher than the national average
North Topsail Beach housing is 47% 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	$84,629	$7,052	$1,975	$2,539
Renters	$79,501	$6,625	$1,855	$2,385

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.
Sneads Ferry, NC	2,410	99	0.9%
Holly Ridge, NC	2,741	109	8.7%
Surf City, NC	3,261	116	15.8%
Topsail Beach, NC	482	144	43.7%
North Topsail Beach, NC	883	115	14.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Memphis, IN	883	99	0.7%
Blacks Harbour, NB	883	n/a
Cana No. 214, SK	883	n/a
Milk River, AB	883	n/a
Greers Ferry, AR	882	90	9.8%
North Topsail Beach, NC	883	115	14.8%