Overall 0%
Goods & Services 5%
Housing 13%
Find Homes Find Rentals
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexWilmingtonNorth CarolinaNational
Cost of living10094100
Goods & Services9599100
Health care94110100

Key findings

  • The cost of living in Wilmington is 6% higher than the North Carolina average
  • The cost of living in Wilmington is equal to the national average
  • Wilmington housing is 13% higher than the national average
  • North Carolina general sales tax is 7% lower than the national average
  • North Carolina state income tax is 113% higher than the national average

Most Affordable Places to Live in and Around Wilmington

See all the best places to live around Wilmington

Compare Wilmington, NC Cost of Living

      How would you rate the cost of living in Wilmington?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Wilmington?
      Write a review to give others more information about this area.
      See all Wilmington poll results

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      The affordability of the housing market in Wilmington, NC as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Wilmington homeowners, the median income is $71,118. This indicates that a monthly maximum of $1,659 should be spent by homeowners on all housing related costs. Renters have a median income of $27,562. This indicates that renters would have a maximum of $643 for their rent related monthly costs.

      North Carolina Sales Tax

      StateGeneral Sales TaxWith Max Surtax
      North Carolina4.75%7.5%

      North Carolina Income Tax

      StateIncome Tax (Low)Income Tax (High)
      North Carolina5.25%5.25%

      Goods & Services

      ItemWilmingtonNational avg.Difference
      Haircut $22.17$20.279.4%
      Beauty Salon $48.10$40.3919.1%
      Toothpaste $1.78$2.3624.4%
      Shampoo $0.99$1.088.0%
      Movie $10.30$10.996.3%
      Bowling $16.95$15.499.4%


      ItemWilmingtonNational avg.Difference
      Ground Beef $3.69$4.3014.2%
      Fried Chicken $1.05$1.4025.2%
      Milk $1.74$2.2021.2%
      Potatoes $3.57$3.2210.8%
      Pizza $10.67$10.740.6%
      Beer $10.49$9.609.3%

      Health Care

      ItemWilmingtonNational avg.Difference
      Optometrist $99.25$109.739.5%
      Doctor $116.11$118.341.9%
      Dentist $90.70$100.9410.1%
      Ibuprofen $9.28$9.936.5%
      Lipitor $472.19$469.530.6%


      ItemWilmingtonNational avg.Difference
      Home Price $224,300.00$184,700.0021.4%
      Avg. Mortgage Payment $1,009.98$1,229.6217.9%
      Apartment Rent $872.00$949.008.1%


      ItemWilmingtonNational avg.Difference
      Gasoline $2.60$2.714.1%
      Tire Balancing $50.32$51.863.0%


      ItemWilmingtonNational avg.Difference
      All Electricity$164.85$170.843.5%
      Phone $183.30$187.182.1%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      CityPopulationCost of Living IndexNational Avg.
      Blue Clay Farms, NC0945.8%
      Northwest, NC1,1268416.5%
      Sandy Creek, NC2838514.9%
      Navassa, NC1,4688514.6%
      Boiling Spring Lakes, NC5,703909.9%
      Wilmington, NC113,7241000.3%

      Cities with similar population

      CityPopulationCost of Living IndexNational Avg.
      Arvada, CO113,53211010.1%
      Downey, CA113,22314443.5%
      Odessa, TX114,258919.0%
      Round Rock, TX112,767945.8%
      Delta, BC112,691n/a 
      Wilmington, NC113,7241000.3%
      Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.