Harrisburg, NC vs. Concord, NC: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Harrisburg vs Concord. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Harrisburg vs Concord in 2025.
Imagine Sophia, a young professional, is comparing rental options between Harrisburg and Concord. In Harrisburg, she finds a cozy 1-bedroom apartment for $1,150 per month. Her friend Alex pays $1,300 for a similar place in Concord. Sophia’s weekly grocery run in Harrisburg totals around $75, while Alex spends closer to $85 in Concord for the same staples.
Housing Costs
| Housing Type | Harrisburg | Concord |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,400 | $1,550 |
| 3BR Home (Median Price) | $350,000 | $380,000 |
🏆 Winner: Harrisburg
Housing expenses, whether renting or buying, tend to be more affordable in Harrisburg compared to Concord. Cost of living in Harrisburg is lower across most housing types.
Utilities and Energy Costs
In both cities, expect monthly utility bills around:
- Electricity: $120-150
- Water/Sewer: $60-80
- Natural Gas: $40-60 (higher in winter)
🏆 Winner: Tie
Utility costs are comparable between Harrisburg and Concord. Both cities experience mild winters and warm summers, so seasonal fluctuations are similar.
Groceries and Daily Expenses
Grocery prices in Harrisburg are about 5% lower than in Concord. A gallon of milk averages $3.50 in Harrisburg versus $3.70 in Concord. Dining out is also slightly cheaper in Harrisburg, with a mid-range meal for two around $50 compared to $55 in Concord.
🏆 Winner: Harrisburg
Taxes and Fees
Harrisburg’s property tax rate is $0.48 per $100 of assessed value, while Concord’s is $0.52. For a $350,000 home, annual property taxes would be $1,680 in Harrisburg and $1,820 in Concord.
HOA fees in Harrisburg typically range from $100-300 per month and often include amenities like landscaping and trash service. In Concord, HOAs are slightly pricier at $150-350 monthly.
🏆 Winner: Harrisburg
Cost Summary Table
| Category | Harrisburg | Concord |
|---|---|---|
| Housing (3BR Home) | $350,000 | $380,000 |
| Utilities | $220 | $230 |
| Groceries | $300 | $320 |
| Transportation | $60 | $50 |
| Taxes (Property) | $140 | $152 |
| Misc | $200 | $220 |
| Estimated Monthly Total | $1,270 | $1,352 |
Note: All income and cost figures are expressed as gross monthly amounts (pre-tax).
Lifestyle Fit
While Harrisburg offers a small-town feel with more space and lower housing costs, Concord provides better walkability and a slightly shorter commute to Charlotte. Harrisburg averages 5°F cooler than Concord in July.
Can you afford to live in Harrisburg on your current salary? Use our monthly budget guide to find out.
FAQ
Is Harrisburg more affordable than Concord?
Yes, the cost of living in Harrisburg is about 6% lower than in Concord, mainly due to cheaper housing, groceries, and taxes.
Which city has lower rent?
Harrisburg has lower rental prices, with a typical 2BR apartment around $150 less per month than in Concord.
Where is it cheaper to buy a home?
Median home prices in Harrisburg are roughly $30,000 lower than comparable properties in Concord.
Conclusion
For those prioritizing affordability and a slower pace, Harrisburg offers an attractive cost of living. Concord may appeal more to residents who value walkability and a shorter drive to Charlotte.
Considering other cities in North Carolina? Check out our cost of living comparisons for popular NC metros.