Raleigh, NC vs Tampa, FL
Simple answer
You'd likely save $228 a month in Raleigh.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is housing prices. The BEA housing price parity differs by 22.4 points (Raleigh 103.5, Tampa 125.8).
North Carolina taxes wages at a flat 3.99%. Florida has no tax on wages. Combined sales tax differs by 0.0 percentage points, higher in North Carolina. The effective property tax gap is 0.14 percentage points, higher in Florida.
After a move from North Carolina to Florida, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in Raleigh lines up with about $77,088 in Tampa on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Raleigh
Raleigh-Cary, NC
- 2-bedroom Fair Market Rent
- $1,689
- HUD area
- Raleigh-Cary, NC MSA
- Census median gross rent
- $1,674
- All-items price parity
- 98.2
- Goods price parity
- 96.6
- Utilities price parity
- 89.0
- Mean commute
- 27.4 min
- Median household income
- $102,144
Tampa
Tampa-St. Petersburg-Clearwater, FL
- 2-bedroom Fair Market Rent
- $1,917
- HUD area
- Tampa-St. Petersburg-Clearwater, FL MSA
- Census median gross rent
- $1,776
- All-items price parity
- 100.9
- Goods price parity
- 95.5
- Utilities price parity
- 88.5
- Mean commute
- 29.4 min
- Median household income
- $78,275
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$77,088
Salary in Tampa that matches the 2024 all-items regional price parity.
$73,809
Gross salary in Tampa whose after-tax pay buys the same basket, using price parities.
$85,124
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | North Carolina | Florida |
|---|---|---|
| State income tax on wages | 3.99% flat | No wage tax |
| Combined sales tax, Jan 1, 2026 | 7.0% | 7.0% |
| Effective property tax, ACS 2024 median / median | 0.61% | 0.75% |
On a $400,000 home, the state median effective rate implies about $2,455 a year in North Carolina and $3,016 in Florida. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Florida
Same household, $40,000 a year, scored once in North Carolina and once in Florida. This is an illustration, not your application.
Food stamps (SNAP)
RaleighLikely eligible
TampaLikely eligible
Medicaid and CHIP
RaleighLikely eligible
TampaLikely eligible
WIC
RaleighLikely eligible
TampaLikely eligible
School meals
RaleighLikely eligible
TampaLikely eligible
LIHEAP
RaleighMaybe
TampaMaybe
Earned Income Tax Credit
RaleighLikely eligible
TampaLikely eligible
Child Tax Credit
RaleighLikely eligible
TampaLikely eligible
Marketplace premium tax credits
RaleighUnlikely
TampaLikely eligible
Lifeline phone and internet
RaleighLikely eligible
TampaLikely eligible
SSI
RaleighUnlikely
TampaUnlikely
| Program | Raleigh | Tampa |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Likely eligible |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Raleigh the result is “Unlikely — Medicaid is the closer program.” In Tampa it is “Likely inside the 2026 subsidy range.” North Carolina expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Raleigh
The eight largest 2-bedroom Fair Market Rent gaps from Raleigh.
- Raleigh and San Francisco · rent gap $2,008
- Raleigh and San Jose · rent gap $1,583
- Raleigh and Boston · rent gap $1,319
- Raleigh and New York · rent gap $1,282
- Raleigh and Los Angeles · rent gap $1,275
- Raleigh and San Diego · rent gap $1,134
- Raleigh and Miami · rent gap $875
- Raleigh and Seattle · rent gap $860
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.