Cost Of Living in Topsail Beach, NC

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F

44%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

149%

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	Topsail Beach	North Carolina	National
Cost of living	144	96	100
Groceries	99	100	100
Health care	98	99	100
Housing	249	88	100
Transportation	98	99	100
Utilities	99	99	100
Lifestyle & Entertainment	98	100	100
Household Items	102	100	100
Education & Childcare	99	100	100

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Homes For Sale In Topsail Beach, NC

1180B N Anderson Blvd

Topsail Beach, NC

1005 N Anderson Blvd

Holly Ridge, NC

1417 Carolina Blvd

Holly Ridge, NC

926 Observation Ln

Surf City, NC

Cost Of Living Quick Facts

The cost of living in Topsail Beach is 50% higher than the North Carolina average
The cost of living in Topsail Beach is 44% higher than the national average
Topsail Beach housing is 149% 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	$146,690	$12,224	$3,423	$4,401
Renters	$37,196	$3,100	$868	$1,116

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.
Blue Clay Farms, NC	53	99	1.3%
Rocky Point, NC	1,687	96	4.4%
Castle Hayne, NC	1,017	100	0.2%
Kings Grant, NC	8,935	100	0.4%
Northchase, NC	5,133	102	2.4%
Topsail Beach, NC	482	144	43.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Lisman, AL	482	81	18.7%
San Jose, AZ	482	91	9.0%
Parker, ID	482	104	3.7%
Oakland, MS	482	85	14.9%
Valley Falls, NY	482	102	2.5%
Topsail Beach, NC	482	144	43.7%