Wondering how far your dollar stretches in Wilmington compared to Winston-Salem? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| Wilmington | Metric | Winston-Salem | Difference |
|---|---|---|---|
| 100 | Cost of Living Index | 88 | -12.0% |
| $345,000 | Median Home Price | $230,000 | -33.3% |
| $1,350 | Median Monthly Rent | $950 | -29.6% |
| $52,800 | Median Household Income | $52,600 | -0.4% |
| 0.7% | Property Tax Rate | 0.8% | +12.9% |
| 3.8% | Unemployment Rate | 4.2% | +10.5% |
| 22 min | Average Commute | 22 min | +0.0% |
| 37.8 | Median Age | 35.7 | -5.6% |
| 295,000 | Metro Population | 680,000 | +130.5% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in Wilmington costs $2,046/month (PITI) compared to $1,382/month in Winston-Salem — a difference of $664/month or $7,968/year. The price-to-income ratio is 6.5x in Wilmington versus 4.4x in Winston-Salem, suggesting Winston-Salem is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 8.7 years to save a down payment in Wilmington compared to 5.8 years in Winston-Salem.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | Wilmington | Winston-Salem |
|---|---|---|
| Gross Income | $52,800 | $52,600 |
| State Income Tax | $1,702 | $1,694 |
| Federal Income Tax | $4,207 | $4,183 |
| FICA (SS + Medicare) | $4,040 | $4,024 |
| Property Tax (on median home) | $2,415/yr | $1,817/yr |
| State Sales Tax Rate | 4.8% | 4.8% |
| Total Tax Burden | $9,949 (18.8%) | $9,901 (18.8%) |
| Take-Home Pay | $42,851 | $42,699 |
On median household income, total taxes (federal + state + FICA) come to $9,949 in Wilmington (18.8% effective) versus $9,901 in Winston-Salem (18.8% effective). After taxes, take-home pay is $42,851 in Wilmington and $42,699 in Winston-Salem. Property taxes add $2,415/year on the median Wilmington home versus $1,817/year in Winston-Salem.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $52,800 in Wilmington (COL 100) and relocate to Winston-Salem (COL 88), you would need $46,464 to maintain the same purchasing power. This means you can take a pay cut of $6,336 and still maintain your lifestyle in Winston-Salem.
Beyond costs, quality of life matters. The average commute in Wilmington is 22 minutes versus 22 minutes in Winston-Salem, a difference of 0 minutes each way. Wilmington's lower unemployment rate of 3.8% versus 4.2% suggests a stronger job market. Wilmington skews slightly older with a median age of 37.8 vs 35.7 in Winston-Salem.
Wilmington is 12.0% more expensive than Winston-Salem overall. Wilmington has a cost of living index of 100 compared to 88 for Winston-Salem (national average = 100). The biggest difference is housing: the median home costs $345,000 in Wilmington vs $230,000 in Winston-Salem.
The median home price in Wilmington is $345,000, which is $115,000 more than Winston-Salem's median of $230,000. Monthly rent follows a similar pattern: $1,350/month in Wilmington vs $950/month in Winston-Salem, a difference of $400/month or $4,800/year.
To maintain the same standard of living, a $52,800 salary in Wilmington is equivalent to $46,464 in Winston-Salem. This is based on the cost of living index ratio: Wilmington's COL index of 100 vs Winston-Salem's 88. Conversely, $52,600 in Winston-Salem equals $59,773 in Wilmington.
On a median household income, the combined federal, state, and FICA tax burden is $9,949 (18.8% effective rate) in Wilmington vs $9,901 (18.8% effective rate) in Winston-Salem. Property taxes on the median home are $2,415/year in Wilmington (0.7% rate) vs $1,817/year in Winston-Salem (0.8% rate). Sales tax rates are 4.8% in North Carolina and 4.8% in North Carolina.
Wilmington median household income: $52,800/yr. Winston-Salem median household income: $52,600/yr (Census ACS).
Median monthly rent: $1,350 in Wilmington vs $950 in Winston-Salem. Annualized that is $16,200 vs $11,400.
Winston-Salem offers a lower cost of living (index 88 vs 100), which lets remote-workers keeping a coastal salary stretch further. Wilmington typically wins on amenities and labor-market depth.
Wilmington and Winston-Salem numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The Wilmington vs Winston-Salem cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .