Charlotte NC vs Rochester NY — 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%
Rochester, NY
New York · Population: 209,720
- Median HH Income$46,628
- Median Home Price$241,627
- Unemployment7.9%
- Bachelor's+29.9%
Detailed Comparison
Demographics
Population
Charlotte
886,283
Charlotte +
Rochester
209,720
Pop. Density / sq mi
Lower = more space
Charlotte
N/A
Rochester
N/A
Median Age
Charlotte
34.4
Rochester
33.5
Rochester +
Foreign Born
Charlotte
18.1%
Charlotte +
Rochester
8.3%
White
Charlotte
41.5%
Rochester
41.5%
Rochester +
Black
Charlotte
34.1%
Rochester
37.5%
Rochester +
Asian
Charlotte
6.3%
Charlotte +
Rochester
3.2%
Hispanic
Charlotte
17.0%
Rochester
20.0%
Rochester +
Spanish at Home
Charlotte
N/A
Rochester
N/A
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Population | 886,283 | 209,720 | Charlotte + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.4 | 33.5 | Rochester + |
| Foreign Born | 18.1% | 8.3% | Charlotte + |
| White | 41.5% | 41.5% | Rochester + |
| Black | 34.1% | 37.5% | Rochester + |
| Asian | 6.3% | 3.2% | Charlotte + |
| Hispanic | 17.0% | 20.0% | Rochester + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Charlotte
$78,438
Charlotte +
Rochester
$46,628
Per Capita Income
Charlotte
$49,991
Charlotte +
Rochester
$30,451
Per Capita Personal Income (MSA)
BEA MSA-level
Charlotte
$59,120
Rochester
$77,425
Rochester +
Unemployment Rate
Charlotte
4.4%
Charlotte +
Rochester
7.9%
Poverty Rate
Charlotte
11.7%
Charlotte +
Rochester
26.6%
Bachelor's Degree+
Charlotte
47.4%
Charlotte +
Rochester
29.9%
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Median HH Income | $78,438 | $46,628 | Charlotte + |
| Per Capita Income | $49,991 | $30,451 | Charlotte + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,120 | $77,425 | Rochester + |
| Unemployment Rate | 4.4% | 7.9% | Charlotte + |
| Poverty Rate | 11.7% | 26.6% | Charlotte + |
| Bachelor's Degree+ | 47.4% | 29.9% | Charlotte + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Charlotte
$399,070
Rochester
$241,627
Rochester +
Homeownership Rate
Charlotte
51.5%
Charlotte +
Rochester
37.2%
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $399,070 | $241,627 | Rochester + |
| Homeownership Rate | 51.5% | 37.2% | Charlotte + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Charlotte
398
Charlotte +
Rochester
434
Property Crime / 100K
FBI CDE (state-level est.)
Charlotte
1999
Rochester
1736
Rochester +
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 398 | 434 | Charlotte + |
| Property Crime / 100KFBI CDE (state-level est.) | 1999 | 1736 | Rochester + |
Health
Obesity Rate
CDC PLACES
Charlotte
30.1%
Charlotte +
Rochester
38.0%
Diabetes Rate
CDC PLACES
Charlotte
10.1%
Charlotte +
Rochester
14.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Charlotte
16.4%
Charlotte +
Rochester
18.8%
No Health Insurance
CDC PLACES
Charlotte
11.4%
Rochester
10.9%
Rochester +
Binge Drinking
CDC PLACES
Charlotte
15.4%
Charlotte +
Rochester
16.3%
Current Smokers
CDC PLACES
Charlotte
11.4%
Charlotte +
Rochester
16.6%
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.1% | 38.0% | Charlotte + |
| Diabetes RateCDC PLACES | 10.1% | 14.3% | Charlotte + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.4% | 18.8% | Charlotte + |
| No Health InsuranceCDC PLACES | 11.4% | 10.9% | Rochester + |
| Binge DrinkingCDC PLACES | 15.4% | 16.3% | Charlotte + |
| Current SmokersCDC PLACES | 11.4% | 16.6% | Charlotte + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Charlotte
59.9°F
Rochester
48.2°F
Rochester +
Annual Precipitation
NOAA 1991–2020 normal
Charlotte
41.6 in
Rochester
34.3 in
Rochester +
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 59.9°F | 48.2°F | Rochester + |
| Annual PrecipitationNOAA 1991–2020 normal | 41.6 in | 34.3 in | Rochester + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Charlotte
8.7 µg/m³
Rochester
8.1 µg/m³
Rochester +
Good Air Days
AQI ≤ 50
Charlotte
75.0%
Rochester
75.0%
Tie
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.7 µg/m³ | 8.1 µg/m³ | Rochester + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Charlotte
26.7 min
Rochester
20.6 min
Rochester +
| Metric | Charlotte, NC | Rochester, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.7 min | 20.6 min | Rochester + |
Which City is Right for You?
Charlotte leads in median household income at $78,438, while rochester offers more affordable housing with a median home price of $241,627. On public safety, Charlotte is safer with a violent crime rate of 398 per 100,000 residents, compared to 434 in Rochester. Charlotte has a lower unemployment rate at 4.4%, and Rochester has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Charlotte scores better with a lower obesity rate of 30.1%.
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