Cost of Living in Spindale, NC

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16%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
49%
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 Spindale North Carolina National
Cost of living8496100
Groceries97100100
Health care9899100
Housing5188100
Transportation9699100
Utilities10199100
Lifestyle & Entertainment96100100
Household Items98100100
Education & Childcare98100100
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Homes For Sale In Spindale, NC

property for sale

262 Pleasant St

Spindale, NC
property for sale

Sterling St

Fayetteville, NC
property for sale

Shenandoah Dr Unit 3B

Spindale, NC
property for sale

845 Spindale St

Spindale, NC

Cost Of Living Quick Facts

  • The cost of living in Spindale is 13% lower than the North Carolina average
  • The cost of living in Spindale is 16% lower than the national average
  • Spindale housing is 49% 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 Spindale

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      Salary Calculator

      This is how much you would need to earn in
      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$69,529$5,794$1,622$2,086
      Renters$34,143$2,845$797$1,024
      A good indicator of the general affordability of housing in Spindale, NC, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Spindale, the median monthly income is $69,529 for those who own their own homes. Under the standard rule, that income level would allow for $1,622 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $34,143, per the median income in the area. That would allow for renters to spend up to $797 on monthly rental expenses.

      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.
      Cliffside, NC727982.4%
      Henrietta, NC465982.4%
      Caroleen, NC459982.4%
      Ellenboro, NC8148415.5%
      Bostic, NC2968515.3%
      Spindale, NC4,2868416.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Haleyville, AL4,2848416.1%
      Scandia, MN4,28812423.6%
      Galeville, NY4,288963.6%
      Tazewell, VA4,289918.6%
      North Norfolk, MB4,289n/a 
      Spindale, NC4,2868416.4%
      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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