Overall
Diff -0.1 RPP
Charlotte-Concord-Gastonia vs Panama City-Panama City Beach
Cost of living comparison based on BEA Regional Price Parities. Panama City-Panama City Beach is 0.1% less expensive than Charlotte-Concord-Gastonia.
0.1% less expensive
Panama City-Panama City Beach, FL is 0.1% less expensive than Charlotte-Concord-Gastonia, NC-SC on BEA Regional Price Parities (overall RPP 97.3 vs 97.3). A $100,000 salary in Charlotte-Concord-Gastonia buys about the same as $99,947 in Panama City-Panama City Beach; the largest component gap is rents.
- Overall RPP 97.3 (Charlotte-Concord-Gastonia) vs 97.3 (Panama City-Panama City Beach)
- $100k in Charlotte-Concord-Gastonia ≈ $99,947 purchasing power in Panama City-Panama City Beach
- Rents drives the gap (-1.2 RPP points)
RPP parity plate
Pair NC:FL 97.3→97.3
PHOTO-FINISH · CROSS-STATE · RENT-LED · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE NC × FL
- RENT-LED Rent-led gap
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Charlotte-Concord-Gastonia
97.3
Cost Index
Panama City-Panama City Beach
97.3
Cost Index
What This Comparison Actually Tells You
Charlotte-Concord-Gastonia, NC-SC and Panama City-Panama City Beach, FL are a photo finish on overall price level, only 0.1 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Rents leads the difference, with Panama City-Panama City Beach 1.2 points lower than Charlotte-Concord-Gastonia. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Charlotte-Concord-Gastonia corresponds to $99,947 in Panama City-Panama City Beach.
Category Breakdown
Goods
Diff -0.3 RPP
Services
Diff -1.1 RPP
Rents
Diff -1.2 RPP
| Category | Charlotte-Concord-Gastonia | Panama City-Panama City Beach | Difference |
|---|---|---|---|
| Overall | 97.3 | 97.3 | -0.1 |
| Goods | 96.6 | 96.2 | -0.3 |
| Services | 89.2 | 88.1 | -1.1 |
| Rents | 97.6 | 96.4 | -1.2 |
Visual Comparison
Overall
Charlotte-Concord-Gastonia 97.3
Panama City-Panama City Beach 97.3
Goods
Charlotte-Concord-Gastonia 96.6
Panama City-Panama City Beach 96.2
Services
Charlotte-Concord-Gastonia 89.2
Panama City-Panama City Beach 88.1
Rents
Charlotte-Concord-Gastonia 97.6
Panama City-Panama City Beach 96.4
Vertical line = national average (100)
Salary Equivalents
What a salary in Charlotte-Concord-Gastonia would need to be in Panama City-Panama City Beach for the same purchasing power:
| In Charlotte-Concord-Gastonia | In Panama City-Panama City Beach | Difference |
|---|---|---|
| $50,000 | $49,973 | $-27 |
| $75,000 | $74,960 | $-40 |
| $100,000 | $99,947 | $-53 |
| $150,000 | $149,920 | $-80 |
$ in Charlotte-Concord-Gastonia = in Panama City-Panama City Beach
Same BEA Regional Price Parity ratio as the table above (97.3 → 97.3), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Panama City-Panama City Beach more expensive than Charlotte-Concord-Gastonia?
Panama City-Panama City Beach is 0.1% less expensive than Charlotte-Concord-Gastonia. The overall cost index is 97.3 vs 97.3 (national average = 100).
What salary in Panama City-Panama City Beach equals $100K in Charlotte-Concord-Gastonia?
A $100,000 salary in Charlotte-Concord-Gastonia has the same purchasing power as $99,947 in Panama City-Panama City Beach. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Charlotte-Concord-Gastonia and Panama City-Panama City Beach?
Rents in Charlotte-Concord-Gastonia are indexed at 97.6 while Panama City-Panama City Beach is at 96.4 (national average = 100). Charlotte-Concord-Gastonia has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.