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Physician Salary in Charlotte, NC β€” 2026 Guide

Estimated salaries are adjusted for Charlotte's cost of living (index: 104). National data from BLS OEWS 2024; city adjustments reflect local market conditions.

Physician Salary in Charlotte β€” Key Numbers

$238,472
Median Salary
$133,994
25th Percentile
$340,018
75th Percentile
$416,000
90th Percentile
National median (Physician)$229,300
vs. National median+4.0%
Charlotte median household income$68,600
vs. City household income+247.6%

Cost of Living in Charlotte

Cost of Living Index
104(100 = avg)
Median Monthly Rent$1,595/mo
Rent-to-Income Ratio8.0%
Annual rent cost$19,140
Median Home Price$365,000
Home Price / Salary1.5Γ—
20% Down Payment$73,000
Years to save (20% rate)1.5 yrs

Rent-to-income below 28% is considered affordable; above 35% is cost-burdened. Home price multiple below 3Γ— is affordable; above 5Γ— is expensive by traditional guidelines.

Job Market in Charlotte

3.8%
Unemployment Rate
2,840,000
Metro Population
27 min
Avg Commute
34.8
Median Age

Charlotte has a metro population of 2,840,000, offering a large, diverse job market with many employers across all industries. The 3.8% unemployment rate is below the national average, suggesting a tight labor market favorable to job seekers.

Frequently Asked Questions

How much does a Physician make in Charlotte, NC?

The estimated median salary for a Physician in Charlotte is $238,472 per year (2026). This is derived from the national BLS median of $229,300 adjusted by Charlotte's cost of living index (104). The typical salary range runs from $133,994 (25th percentile) to $340,018 (75th percentile), with top earners reaching $416,000.

Is Charlotte affordable for a Physician?

On a $238,472 annual salary, a Physician in Charlotte would spend approximately 8.0% of gross monthly income on median rent ($1,595/month). This is well within the 28% affordability threshold, making Charlotte relatively affordable for this profession. The median home price of $365,000 is 1.5Γ— the annual salary.

How does a Physician's salary compare to Charlotte's overall income?

Charlotte's median household income is $68,600. A Physician earning the city-adjusted median of $238,472 earns 247.6% more than the typical Charlotte household β€” placing them solidly in the middle-to-upper income tier for the city.

Salary data from U.S. Bureau of Labor Statistics (BLS) OEWS, 2024 release. City salary estimates adjusted by cost of living index. City data from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024–2025). Last updated: March 2026.