Charlotte NC vs Cincinnati OH — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Charlotte, NC
North Carolina · Population: 886,283
- Median HH Income$78,438
- Median Home Price$399,070
- Unemployment4.4%
- Bachelor's+47.4%
Cincinnati, OH
Ohio · Population: 309,595
- Median HH Income$51,707
- Median Home Price$252,784
- Unemployment6.8%
- Bachelor's+41.3%
Detailed Comparison
Demographics
Population
Charlotte
886,283
Charlotte +
Cincinnati
309,595
Pop. Density / sq mi
Lower = more space
Charlotte
N/A
Cincinnati
N/A
Median Age
Charlotte
34.4
Cincinnati
33.0
Cincinnati +
Foreign Born
Charlotte
18.1%
Charlotte +
Cincinnati
7.1%
White
Charlotte
41.5%
Cincinnati
49.4%
Cincinnati +
Black
Charlotte
34.1%
Cincinnati
38.7%
Cincinnati +
Asian
Charlotte
6.3%
Charlotte +
Cincinnati
2.8%
Hispanic
Charlotte
17.0%
Charlotte +
Cincinnati
5.4%
Spanish at Home
Charlotte
N/A
Cincinnati
N/A
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Population | 886,283 | 309,595 | Charlotte + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.4 | 33.0 | Cincinnati + |
| Foreign Born | 18.1% | 7.1% | Charlotte + |
| White | 41.5% | 49.4% | Cincinnati + |
| Black | 34.1% | 38.7% | Cincinnati + |
| Asian | 6.3% | 2.8% | Charlotte + |
| Hispanic | 17.0% | 5.4% | Charlotte + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Charlotte
$78,438
Charlotte +
Cincinnati
$51,707
Per Capita Income
Charlotte
$49,991
Charlotte +
Cincinnati
$38,878
Per Capita Personal Income (MSA)
BEA MSA-level
Charlotte
$59,120
Charlotte +
Cincinnati
$58,300
Unemployment Rate
Charlotte
4.4%
Charlotte +
Cincinnati
6.8%
Poverty Rate
Charlotte
11.7%
Charlotte +
Cincinnati
24.5%
Bachelor's Degree+
Charlotte
47.4%
Charlotte +
Cincinnati
41.3%
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Median HH Income | $78,438 | $51,707 | Charlotte + |
| Per Capita Income | $49,991 | $38,878 | Charlotte + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,120 | $58,300 | Charlotte + |
| Unemployment Rate | 4.4% | 6.8% | Charlotte + |
| Poverty Rate | 11.7% | 24.5% | Charlotte + |
| Bachelor's Degree+ | 47.4% | 41.3% | Charlotte + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Charlotte
$399,070
Cincinnati
$252,784
Cincinnati +
Homeownership Rate
Charlotte
51.5%
Charlotte +
Cincinnati
38.9%
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $399,070 | $252,784 | Cincinnati + |
| Homeownership Rate | 51.5% | 38.9% | Charlotte + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Charlotte
398
Cincinnati
319
Cincinnati +
Property Crime / 100K
FBI CDE (state-level est.)
Charlotte
1999
Cincinnati
1866
Cincinnati +
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 398 | 319 | Cincinnati + |
| Property Crime / 100KFBI CDE (state-level est.) | 1999 | 1866 | Cincinnati + |
Health
Obesity Rate
CDC PLACES
Charlotte
30.1%
Charlotte +
Cincinnati
38.3%
Diabetes Rate
CDC PLACES
Charlotte
10.1%
Charlotte +
Cincinnati
14.1%
Poor Mental Health
CDC PLACES — 14+ days/month
Charlotte
16.4%
Charlotte +
Cincinnati
19.8%
No Health Insurance
CDC PLACES
Charlotte
11.4%
Cincinnati
9.6%
Cincinnati +
Binge Drinking
CDC PLACES
Charlotte
15.4%
Charlotte +
Cincinnati
17.0%
Current Smokers
CDC PLACES
Charlotte
11.4%
Charlotte +
Cincinnati
16.1%
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.1% | 38.3% | Charlotte + |
| Diabetes RateCDC PLACES | 10.1% | 14.1% | Charlotte + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.4% | 19.8% | Charlotte + |
| No Health InsuranceCDC PLACES | 11.4% | 9.6% | Cincinnati + |
| Binge DrinkingCDC PLACES | 15.4% | 17.0% | Charlotte + |
| Current SmokersCDC PLACES | 11.4% | 16.1% | Charlotte + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Charlotte
59.9°F
Cincinnati
54.2°F
Cincinnati +
Annual Precipitation
NOAA 1991–2020 normal
Charlotte
41.6 in
Charlotte +
Cincinnati
47.7 in
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 59.9°F | 54.2°F | Cincinnati + |
| Annual PrecipitationNOAA 1991–2020 normal | 41.6 in | 47.7 in | Charlotte + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Charlotte
8.7 µg/m³
Charlotte +
Cincinnati
10.3 µg/m³
Good Air Days
AQI ≤ 50
Charlotte
75.0%
Charlotte +
Cincinnati
55.0%
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.7 µg/m³ | 10.3 µg/m³ | Charlotte + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Charlotte + |
Commute
Mean Commute Time
Census ACS
Charlotte
26.7 min
Cincinnati
24.8 min
Cincinnati +
| Metric | Charlotte, NC | Cincinnati, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.7 min | 24.8 min | Cincinnati + |
Which City is Right for You?
Charlotte leads in median household income at $78,438, while cincinnati offers more affordable housing with a median home price of $252,784. On public safety, Cincinnati is safer with a violent crime rate of 319 per 100,000 residents, compared to 398 in Charlotte. Charlotte has a lower unemployment rate at 4.4%, and Charlotte has cleaner air (PM2.5 avg 8.7 µg/m³). For overall health outcomes, Charlotte scores better with a lower obesity rate of 30.1%.
Compare More Cities
Charlotte, NC vs New York, NYCharlotte, NC vs Los Angeles, CACharlotte, NC vs Chicago, ILCharlotte, NC vs Houston, TXCharlotte, NC vs Phoenix, AZCharlotte, NC vs Philadelphia, PA