Side-by-side · Software Engineer
Charlotte vs New York
Move Value
−$35k
real, after tax + COL · per year
Career Velocity
9/10
Charlotte: 6/10 → leap
10-Year Outlook
−$377k
± $174k confidence band
| Charlotte | New York | |
|---|---|---|
| P50 salary, role | $136k | $167k |
| State + local income tax | 4.3% | 9.0% |
| After-tax income | $98k | $109k |
| Cost of living (US = 100) | 104 | 187 |
| Median 1BR rent | $1733/mo | $3406/mo |
| Real purchasing power | $94k | $59k |
| Career Velocity (this role) | 6/10 | 9/10 |
| Career Velocity v1 (0–100) | 62 · Strong | 69 · Strong |
| Walkability (0–10) | 5 | 10 |
| Outdoors (0–10) | 6 | 4 |
Who should make this move
Choose New York if…
- ·Your field's Career Velocity is at least as good in NYC (9/10).
- ·The career accelerator with the highest price of admission.
Stay in Charlotte if…
- ·You'd lose $35k of real income annually.
- ·Your 10-year picture is $377k better if you stay.
- ·You're optimizing for what Charlotte uniquely offers: banking capital of the south with a deepening tech bench.
A note on the numbers: Salaries are role-P50 from BLS-style bands. Tax is statutory state + local at ~$110k single. The 10-year outlook uses a 3-year promotion cadence with a small velocity adjustment, 2.5% COL inflation, and discounts to today's dollars. Full assumptions on the methodology page.