Cost Of Living in Oak City, NC

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A+

10%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

32%

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	Oak City	North Carolina	National
Cost of living	90	96	100
Groceries	101	100	100
Health care	96	99	100
Housing	68	88	100
Transportation	99	99	100
Utilities	95	99	100
Lifestyle & Entertainment	103	100	100
Household Items	97	100	100
Education & Childcare	104	100	100

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Homes For Sale In Oak City, NC

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Oak City, NC

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Cost Of Living Quick Facts

The cost of living in Oak City is 6% lower than the North Carolina average
The cost of living in Oak City is 10% lower than the national average
Oak City housing is 32% 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

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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	$64,394	$5,366	$1,502	$1,932
Renters	$74,966	$6,247	$1,749	$2,249

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.
Speed, NC	85	98	2.2%
Scotland Neck, NC	1,832	80	19.6%
Lewiston Woodville, NC	422	83	17.1%
Robersonville, NC	1,642	85	15.3%
Bethel, NC	2,049	85	15.2%
Oak City, NC	382	90	10.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Potter Valley, CA	382	154	53.7%
Spreckels, CA	382	189	88.8%
Rollinsville, CO	382	148	48.0%
Eden, ID	382	87	12.8%
Lomax, IL	382	82	18.0%
Oak City, NC	382	90	10.0%