Durham, NC vs. Cary, NC: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Durham vs Cary. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Durham vs Cary in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how Durham and Cary compare for typical housing options:
| Housing Type | Durham | Cary |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,650 |
| Median 3BR Home Price | $380,000 | $460,000 |
🏆 Winner: Durham. Housing costs about 12-20% less in Durham compared to Cary.
2. Utilities and Energy Costs
Utility bills are fairly similar between the two cities. Expect to pay around:
- Electricity: $120-150/month
- Water/Sewer/Trash: $70-90/month
- Internet: $60-80/month
Both cities experience hot summers and mild winters, so heating and cooling costs are comparable. Duke Energy serves both areas with similar rates and programs.
🏆 Winner: Tie. Utility costs are nearly identical in Durham and Cary.
3. Groceries and Daily Expenses
Groceries, dining out, and everyday items cost about the same in Durham and Cary. Both cities have a mix of chain supermarkets, local grocers, big box stores, and specialty shops.
Expect a family of four to spend $800-1000/month on groceries in either city. A meal at a casual restaurant averages $12-15 per person.
🏆 Winner: Tie. There are no major cost differences for groceries and daily expenses between Durham and Cary.
4. Taxes and Fees
Durham’s property tax rate is $1.38 per $100 of assessed value, while Cary’s is $0.99. So annual property taxes on a $400K home would be about $1560 higher in Durham.
Both cities charge similar fees for services like waste collection, water, and parks & rec. In Durham, HOA fees often include landscaping and trash, while they may be billed separately in Cary neighborhoods.
🏆 Winner: Cary. Lower property tax rates give Cary an edge, though exact costs depend on home value and neighborhood.
5. Cost Summary
| Category | Durham | Cary |
|---|---|---|
| Housing (3BR home) | $2,533 | $3,067 |
| Utilities | $270 | $270 |
| Groceries | $900 | $900 |
| Transportation | $450 | $500 |
| Taxes & Fees | $550 | $420 |
| Misc Expenses | $400 | $400 |
| Estimated Monthly Total | $5,103 | $5,557 |
All income figures are expressed in gross monthly income (pre-tax). Consult our Monthly Budget Examples for Durham Residents for more details on typical expenses.
6. Lifestyle Fit
While costs are important, it’s also key to consider lifestyle factors:
- Cary offers more space and newer construction, while Durham has more historic charm and walkable neighborhoods.
- Durham has shorter commutes to Duke/downtown, but Cary provides easier access to RTP.
- Cary’s population skews older (median age 39 vs 33 in Durham).
- Durham has more arts, dining and urban amenities, while Cary is known for safety, schools and suburban convenience.
7. FAQ
Is Durham more affordable than Cary?
Yes, the cost of living is about 8% lower in Durham compared to Cary, mainly due to cheaper housing.
Which city has lower rent?
Rent prices are around 12% less in Durham than Cary. The median rent for a 2BR apartment is $1,450 in Durham vs $1,650 in Cary.
Where is it cheaper to buy a home?
Durham homes cost about 17% less than comparable homes in Cary. The median price for a 3BR in Durham is $380K vs $460K in Cary.
8. Conclusion
Overall, the cost of living is moderately lower in Durham compared to Cary, primarily due to more affordable housing. A household moving from Cary to Durham might save $400-500/month on housing alone.
However, Cary can be a great fit for families seeking top schools, safe suburbs, and a quiet lifestyle. Durham offers more urban amenities, diversity, and a lower price tag.
The right choice depends on your budget, career, and personal priorities. Be sure to check out our full Cost of Living in Durham (2025 Guide) for more details as you weigh your options.