Charlotte NC vs Oceanside CA — 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%
Oceanside, CA
California · Population: 172,542
- Median HH Income$93,724
- Median Home Price$877,452
- Unemployment5.4%
- Bachelor's+34.3%
Detailed Comparison
Demographics
Population
Charlotte
886,283
Charlotte +
Oceanside
172,542
Pop. Density / sq mi
Lower = more space
Charlotte
N/A
Oceanside
N/A
Median Age
Charlotte
34.4
Charlotte +
Oceanside
38.1
Foreign Born
Charlotte
18.1%
Oceanside
20.9%
Oceanside +
White
Charlotte
41.5%
Oceanside
52.9%
Oceanside +
Black
Charlotte
34.1%
Charlotte +
Oceanside
4.2%
Asian
Charlotte
6.3%
Oceanside
7.4%
Oceanside +
Hispanic
Charlotte
17.0%
Oceanside
38.5%
Oceanside +
Spanish at Home
Charlotte
N/A
Oceanside
N/A
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Population | 886,283 | 172,542 | Charlotte + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.4 | 38.1 | Charlotte + |
| Foreign Born | 18.1% | 20.9% | Oceanside + |
| White | 41.5% | 52.9% | Oceanside + |
| Black | 34.1% | 4.2% | Charlotte + |
| Asian | 6.3% | 7.4% | Oceanside + |
| Hispanic | 17.0% | 38.5% | Oceanside + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Charlotte
$78,438
Oceanside
$93,724
Oceanside +
Per Capita Income
Charlotte
$49,991
Charlotte +
Oceanside
$43,094
Per Capita Personal Income (MSA)
BEA MSA-level
Charlotte
$59,120
Oceanside
$77,230
Oceanside +
Unemployment Rate
Charlotte
4.4%
Charlotte +
Oceanside
5.4%
Poverty Rate
Charlotte
11.7%
Oceanside
8.1%
Oceanside +
Bachelor's Degree+
Charlotte
47.4%
Charlotte +
Oceanside
34.3%
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Median HH Income | $78,438 | $93,724 | Oceanside + |
| Per Capita Income | $49,991 | $43,094 | Charlotte + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,120 | $77,230 | Oceanside + |
| Unemployment Rate | 4.4% | 5.4% | Charlotte + |
| Poverty Rate | 11.7% | 8.1% | Oceanside + |
| Bachelor's Degree+ | 47.4% | 34.3% | Charlotte + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Charlotte
$399,070
Charlotte +
Oceanside
$877,452
Homeownership Rate
Charlotte
51.5%
Oceanside
58.5%
Oceanside +
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $399,070 | $877,452 | Charlotte + |
| Homeownership Rate | 51.5% | 58.5% | Oceanside + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Charlotte
398
Charlotte +
Oceanside
503
Property Crime / 100K
FBI CDE (state-level est.)
Charlotte
1999
Charlotte +
Oceanside
2388
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 398 | 503 | Charlotte + |
| Property Crime / 100KFBI CDE (state-level est.) | 1999 | 2388 | Charlotte + |
Health
Obesity Rate
CDC PLACES
Charlotte
30.1%
Oceanside
26.1%
Oceanside +
Diabetes Rate
CDC PLACES
Charlotte
10.1%
Charlotte +
Oceanside
10.4%
Poor Mental Health
CDC PLACES — 14+ days/month
Charlotte
16.4%
Charlotte +
Oceanside
16.9%
No Health Insurance
CDC PLACES
Charlotte
11.4%
Oceanside
9.7%
Oceanside +
Binge Drinking
CDC PLACES
Charlotte
15.4%
Charlotte +
Oceanside
16.5%
Current Smokers
CDC PLACES
Charlotte
11.4%
Oceanside
10.6%
Oceanside +
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.1% | 26.1% | Oceanside + |
| Diabetes RateCDC PLACES | 10.1% | 10.4% | Charlotte + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.4% | 16.9% | Charlotte + |
| No Health InsuranceCDC PLACES | 11.4% | 9.7% | Oceanside + |
| Binge DrinkingCDC PLACES | 15.4% | 16.5% | Charlotte + |
| Current SmokersCDC PLACES | 11.4% | 10.6% | Oceanside + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Charlotte
59.9°F
Oceanside
55.3°F
Oceanside +
Annual Precipitation
NOAA 1991–2020 normal
Charlotte
41.6 in
Oceanside
20.7 in
Oceanside +
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 59.9°F | 55.3°F | Oceanside + |
| Annual PrecipitationNOAA 1991–2020 normal | 41.6 in | 20.7 in | Oceanside + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Charlotte
8.7 µg/m³
Oceanside
7.9 µg/m³
Oceanside +
Good Air Days
AQI ≤ 50
Charlotte
75.0%
Oceanside
75.0%
Tie
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.7 µg/m³ | 7.9 µg/m³ | Oceanside + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Charlotte
26.7 min
Charlotte +
Oceanside
31.8 min
| Metric | Charlotte, NC | Oceanside, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.7 min | 31.8 min | Charlotte + |
Which City is Right for You?
Oceanside leads in median household income at $93,724, while charlotte offers more affordable housing with a median home price of $399,070. On public safety, Charlotte is safer with a violent crime rate of 398 per 100,000 residents, compared to 503 in Oceanside. Charlotte has a lower unemployment rate at 4.4%, and Oceanside has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Oceanside scores better with a lower obesity rate of 26.1%.
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