Cost of Living: Wilmington vs Providence (2026)
Wilmington has a 14% lower overall cost of living than Providence as of Q1 2026. A one-bedroom apartment runs $1,550/mo in Wilmington vs $1,800/mo in Providence — a 14% difference. Wilmington has a lower state income tax rate (4.5% vs 6%), which adds up over time.
- Wilmington is 14% cheaper overall (COL index: 93 vs 108)
- 1BR rent: $1,550/mo in Wilmington vs $1,800/mo — 14% savings
- Higher median household income: Providence ($58,000/yr vs $57,000/yr)
- Median home price: $340,000 in Wilmington vs $370,000 — 8% difference
| Category | Wilmington North Carolina | Providence Rhode Island |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,250Best | $1,400 |
| 1BR rent/mo | $1,550Best | $1,800 |
| 2BR rent/mo | $2,050Best | $2,400 |
| Median home price | $340KBest | $370K |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 98Best | 105 |
| Budget meal (1 person) | $14Best | $16 |
| Mid-range dinner (2) | $56Best | $65 |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $45Best | $75 |
| Gas price/gal | $3.15Best | $3.40 |
| Car insurance/mo | $148Best | $168 |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $158Best | $195 |
| Internet/mo | $62Best | $68 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $57K | $58KBest |
| State income tax% | 4.5%Best | 6.0% |
| Sales tax (combined)% | 7.0%Best | 7.0% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $15.00Best | $16.00 |
| Gym membership/mo | $38Best | $48 |
| Beer at restaurant | $6.00Best | $7.00 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 93Best | 108 |
| Walk score / 100 | 30 | 72Best |
Frequently asked questions
Is Wilmington cheaper than Providence?
Yes. Wilmington is 14% cheaper than Providence based on overall cost of living indices (93 vs 108, where 100 = US average).
What is the average rent in Wilmington vs Providence?
As of Q1 2026, the median 1-bedroom rent in Wilmington is $1,550/month and in Providence is $1,800/month. Wilmington is cheaper by 14%.
How much do I need to earn in Providence to match a $75,000 salary in Wilmington?
To maintain a similar lifestyle, you would need approximately $87,097/year in Providence to match a $75,000 salary in Wilmington. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Wilmington or Providence?
Wilmington has the lower state income tax rate at 4.5% vs 6%. The difference is 1.5 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Wilmington to Providence?
It depends on your priorities. Wilmington offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
Want to add more cities or compare your own salary?
Use our interactive tool to compare up to 5 cities and see how much of your take-home goes to rent.