Side-by-side · Software Engineer
Miami vs Charlotte
Move Value
+$28k
real, after tax + COL · per year
Career Velocity
6/10
Miami: 6/10 → lateral
10-Year Outlook
+$326k
± $162k confidence band
| Miami | Charlotte | |
|---|---|---|
| P50 salary, role | $118k | $136k |
| State + local income tax | None | 4.3% |
| After-tax income | $91k | $98k |
| Cost of living (US = 100) | 138 | 104 |
| Median 1BR rent | $2683/mo | $1733/mo |
| Real purchasing power | $66k | $94k |
| Career Velocity (this role) | 6/10 | 6/10 |
| Career Velocity v1 (0–100) | 72 · Strong | 62 · Strong |
| Walkability (0–10) | 6 | 5 |
| Outdoors (0–10) | 8 | 6 |
Who should make this move
Choose Charlotte if…
- ·You want $28k more real income per year on day one.
- ·Your field's Career Velocity is at least as good in Charlotte (6/10).
- ·Your 10-year picture lands $326k ahead.
- ·Banking capital of the South with a deepening tech bench.
Stay in Miami if…
- ·You're optimizing for what Miami uniquely offers: no state income tax, finance and creative capital of the southeast.
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.