Cost Of Living in Spencer Mountain, NC

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A+

1%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

100%

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	Spencer Mountain	North Carolina	National
Cost of living	99	96	100
Groceries	99	100	100
Health care	99	99	100
Housing	n/a	88	100
Transportation	98	99	100
Utilities	103	99	100
Lifestyle & Entertainment	97	100	100
Household Items	101	100	100
Education & Childcare	94	100	100

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Cost Of Living Quick Facts

The cost of living in Spencer Mountain is 3% higher than the North Carolina average
The cost of living in Spencer Mountain is 1% lower than the national average
Spencer Mountain housing is 5% 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	$0	$0	$0	$0
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.
High Shoals, NC	875	87	12.9%
Bessemer City, NC	5,750	90	10.1%
Lowell, NC	3,815	91	8.6%
Kings Mountain, NC	11,271	92	8.3%
Cherryville, NC	6,173	92	7.8%
Spencer Mountain, NC	0	99	1.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Chase, AK	0	118	18.0%
Chiniak, AK	0	118	18.0%
Chisana, AK	0	114	14.1%
Dot Lake, AK	0	114	14.1%
Eureka Roadhouse, AK	0	118	18.0%
Spencer Mountain, NC	0	99	1.3%