I've lived in Charlotte all my life. If you are low income in California, you'll probably be middle class in Charlotte, lol
You don't want to live on the west side *Fredom Drive Toddville road area) it's a high crime area and a friend of mine that is a policeman on patrol there tells me some pretty hairy stories.
You can probably find cheaper housing out side of Mecklenburg county if you are buying. If you're going to rent. let me know your budget and and I can give you general ideas.
As to cigar lounges there are several spread all over town. Tinderbox has 3 locations, one downtown, another at Southpark mall and another at the Arboretum. Charlotte Cigar cub is downtown on Morehead street and the guy that owns that just opened up a store in Matthews NC, a Small town near Charlotte.
Outland Cigars has locations in Balentyne and the Southpark Area but you have to pay to use the lounges. My favorite, D&K Tobacco is located in Matthews. They have the best prices I've seen but no lounge. You can sneek a smoke if you ask nice. Mcrainies is at PArk road and is a big Pipe dealer but also has a lot of cigars. City Cigar is an offshoot of Mcrainies and is located in Blakney, just south of Charlotte. Last time I was there they didn't have a lounge.
Any more questions just shoot me a pm.