Cary, NC vs. Durham, NC: Cost of Living Comparison (2025)
Considering a move to the Research Triangle area of North Carolina? Here’s a rapid-fire cost of living comparison between two popular cities:
- 🏠 Median rent for a 2BR apartment: $1,850 in Cary vs $1,650 in Durham
- ⚡ Average monthly utility bill: $180 in Cary vs $160 in Durham
- 🥑 Typical grocery costs for a family of 4: $1,100 in Cary vs $1,000 in Durham
- 🏘️ Median property tax rate: 0.95% in Cary vs 1.12% in Durham
This article provides a detailed cost of living comparison between Cary and Durham, NC. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real cost of living in Cary vs Durham in 2025. All income figures are expressed as gross monthly income (pre-tax).
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Cary and Durham stack up for common housing types:
| Housing Type | Cary | Durham |
|---|---|---|
| 2BR Apartment (Median Rent) | $1,850 | $1,650 |
| 3BR House (Median Mortgage) | $2,400 | $2,100 |
🏆 Winner: Durham has lower housing costs across the board, with savings of $200-300 per month compared to Cary.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities, but there are a few differences to note:
- Average monthly electric bill: $120 in Cary vs $110 in Durham
- Average monthly water bill: $60 in Cary vs $50 in Durham
- Both cities offer off-peak utility plans and energy-saving programs
🏆 Winner: Durham edges out Cary with $20 per month in typical utility savings.
3. Groceries and Daily Expenses
For a family of four, grocery and dining out costs look like:
- Monthly grocery bill: $1,100 in Cary vs $1,000 in Durham
- Dinner out for four at a mid-range restaurant: $80 in Cary vs $70 in Durham
- Loaf of bread: $3.50 in Cary vs $3.00 in Durham
🏆 Winner: Durham takes the lead again, with 10% lower grocery and dining costs than Cary.
4. Taxes and Fees
Don’t forget about taxes and city fees when comparing costs:
- Median property tax rate: 0.95% in Cary vs 1.12% in Durham
- Vehicle registration fee: $40 in Cary vs $30 in Durham
- Typical HOA fees: $250-400 in Cary vs $150-300 in Durham (Cary HOAs often include more amenities)
🏆 Winner: It’s close, but Cary takes this round with lower property taxes and vehicle fees.
5. Cost of Living Summary
| Category | Cary | Durham |
|---|---|---|
| Housing | $1,850 | $1,650 |
| Utilities | $180 | $160 |
| Groceries | $1,100 | $1,000 |
| Transportation | $500 | $450 |
| Taxes & Fees | $600 | $650 |
| Misc Costs | $800 | $750 |
| Estimated Monthly Total | $5,030 | $4,660 |
6. Lifestyle Fit
While costs are important, don’t forget to factor in lifestyle fit. A few key differences:
- Cary offers more spacious housing and lots, while Durham is denser with more walkable neighborhoods
- Commute times are 20% longer in Cary due to sprawl and traffic
- Durham has a grittier, more urban feel compared to Cary’s manicured suburbs
7. Frequently Asked Questions
Is Cary more affordable than Durham?
On average, Durham is about 10% cheaper than Cary. A household moving from Cary to Durham might save $400/month on housing alone.
Which city has lower rent?
Durham rents are $200-300 lower per month than Cary for comparable apartments.
Where is it cheaper to buy a home?
Durham has lower home prices and mortgage costs. The median 3BR house costs $2,100/month in Durham vs $2,400/month in Cary.
8. Conclusion
Overall, Durham offers a lower cost of living than Cary, with notable savings on housing, groceries, and utilities. However, Cary has an edge on property taxes and offers more space for the money.
Young professionals and those who prefer dense, walkable neighborhoods may find Durham a better fit. Families craving space and top-notch amenities may prefer Cary despite the higher costs. Of course, these are generalizations – the best fit depends on your unique budget and lifestyle.
Budgeting for your move? Check out these Monthly Budget Examples for Cary Residents or get an overview in our Cost of Living in Cary (2025 Guide). The right choice is the one that balances your finances and quality of life.