$199,990
1933 Choyce Cir
Charlotte, NC
3 bd1 ba919 sqft$218/ft²
House13,068 sqft lot
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Compass Real Estate · Charlotte, NC
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Charlotte, NC Housing Market
Balanced market-2.3% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Charlotte, NC is worth $392,573, fell 2.3% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $443,100, +4.3% year over year (through May 2026). With 3.6 months of supply and homes going under contract in about 46 days, Charlotte is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $392,573 home is about $2,096/mo in principal and interest.
Key numbers for Charlotte, NC
Typical home value
$392,573
-2.3% in 12 months
Zillow, August 2026
Typical asking rent
$1,744/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$443,100
+4.3% year over year
Redfin, through May 2026
Days on market
46
Average pace
Redfin, through May 2026
Active listings
4,006
3.6 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$78,438
Home costs 5.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.0%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Charlotte a buyer's or seller's market?
Balanced market3.6 months of supply46 days on market99.0% of asking
Charlotte, NC is a balanced market, based on 3.6 months of supply and homes selling in about 46 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Charlotte housing market data show?
Every row below is Redfin's final published month for Charlotte, NC. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $443,100 |
| Median list price | $450,000 |
| Year-over-year price change | +4.3% |
| Median price per sq ft | $249/sq ft |
| Median days on market | 46 days |
| Active inventory | 4,006 listings |
| Months of supply | 3.6 months |
| Sale-to-list price ratio | 99.0% |
| Homes sold (that month) | 1,114 |
| New listings (that month) | 1,548 |
| Listings with a price cut | 32.3% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Charlotte is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Charlotte is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Charlotte home prices moved?
Over the last three years the median sale price in Charlotte, NC rose 8.1%, from $410,000 to $443,100. The live Zillow value series has fell 2.3% in the last 12 months, which is the more current read now that Redfin's series has stopped. 32.3% of Charlotte listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.6 months while the sale-to-list ratio slips below its current 99.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
Get Charlotte market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Charlotte?
Priced off the typical home value of $392,573 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $78,515 | $314,058 | $2,096/mo |
| 5% | $19,629 | $372,944 | $2,489/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,096, that implies roughly $89,819 a year before you add taxes and insurance. The median household in Charlotte earns $78,438, about $11,381 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Charlotte in the next 12 months?
Tell us your timeline. We send the Charlotte market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Charlotte?
Typical asking rent in Charlotte, NC is $1,744/mo, against a typical home value of $392,573. That is a price-to-rent ratio of 18.8x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Compared head to head, 20% down puts principal and interest at $2,096 a month — $352 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Charlotte?
Active listings in Charlotte, NC went from 3,726 in May 2025 to 4,006 in May 2026, a +7.5% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 3,703 | 1,365 |
| July 2025 | 3,686 | 1,233 |
| August 2025 | 3,701 | 1,176 |
| September 2025 | 3,726 | 1,217 |
| October 2025 | 3,693 | 1,184 |
| November 2025 | 3,442 | 812 |
| December 2025 | 2,883 | 591 |
| January 2026 | 3,011 | 1,068 |
| February 2026 | 3,293 | 1,269 |
| March 2026 | 3,665 | 1,647 |
| April 2026 | 3,926 | 1,646 |
| May 2026 | 4,006 | 1,548 |
Redfin, through May 2026
How does Charlotte compare to North Carolina and the U.S.?
Charlotte homes sell for $443,100 — 11% above the North Carolina median of $397,600. Against the national median of $410,700, Charlotte runs 8% higher. Year-over-year, Charlotte moved +4.3% against North Carolina's +2.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Charlotte, NC | $443,100 | +4.3% | 46 days |
| North Carolina statewide | $397,600 | +2.1% | 52 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Charlotte
What buyers should watch
- Months of supply, currently 3.6. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 32.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $393 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $392,573 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Charlotte listing goes under contract in 46 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 99.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Charlotte added 1,548 new listings against 1,114 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -2.3% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Charlotte varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Charlotte
There are currently 4,006 homes listed for sale in Charlotte, North Carolina. The median listing price is $450K. Featured listings range from $199,990 to $1,625,000.
$299,900
1117 Capps Hollow Dr
Charlotte, NC
3 bd2 ba1,445 sqft$208/ft²
House15,028 sqft lot
View photos & details
$310,000
5313 Crisfield Rd
Charlotte, NC
3 bd3 ba1,813 sqft$171/ft²
House7,797 sqft lot
View photos & details
$330,255
7017 Antigo Dr Unit 3
Charlotte, NC
2 bd3 ba1,250 sqft$264/ft²
Townhouse1,742 sqft lot
View photos & details
$335,290
8132 Jacey Ln Unit 17
Charlotte, NC
2 bd3 ba1,250 sqft$268/ft²
Townhouse1,742 sqft lot
View photos & details
$344,900
6308 Dumont Ln
Charlotte, NC
4 bd3 ba1,730 sqft$199/ft²
House6,490 sqft lot
View photos & details
$349,890
14010 Steller St
Charlotte, NC
3 bd3 ba1,667 sqft$210/ft²
Townhouse1,742 sqft lot
View photos & details
$389,900
8127 Jacey Ln Unit 43
Charlotte, NC
3 bd3 ba1,750 sqft$223/ft²
Townhouse3,485 sqft lot
View photos & details
$444,990
3003 Casting St Unit 12
Charlotte, NC
3 bd4 ba1,681 sqft$265/ft²
Townhouse
View photos & details
$539,800
11005 Chilcomb Ct
Charlotte, NC
4 bd3 ba2,761 sqft$196/ft²
House10,890 sqft lot
View photos & details
$564,900
11124 Tradition View Dr
Charlotte, NC
5 bd3 ba3,392 sqft$167/ft²
House10,454 sqft lot
View photos & details
$1,625,000
10615 Lederer Ave
Charlotte, NC
4 bd4 ba4,159 sqft$391/ft²
House15,682 sqft lot
View photos & details
Looking to buy in Charlotte?
Get connected with a local real estate expert — free, no obligation.
Active listings
4,006
Homes on market
Median list price
$450K
Avg. days on market
46
Days until sale
New this week
1,548
Newly listed
Price drops:32.3%of listings
Sale-to-list:99.0%
How much do homes cost in Charlotte by property type?
How the Charlotte, NC market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $485,000 | $258/sq ft | 764 | 40 days |
| Condo / co-op | $340,000 | $300/sq ft | 112 | 69 days |
| Townhouse | $374,990 | $220/sq ft | 233 | 74 days |
Who lives in Charlotte?
American Community Survey estimates for Charlotte. U.S. Census ACS, 2023
Population
886,283
Households
361,100
Median income
$78,438/yr
Median age
34.4 years
Owner-occupied
51.5%
Median home value
$351,500
Median gross rent
$1,504/mo
Mean commute
25 min
51.5% of occupied homes in Charlotte are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $351,500 against Zillow's $392,573 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,504/mo, below Zillow's $1,744/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Charlotte?
50 schools tracked · 69,009 students
The largest public schools serving Charlotte, NC by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Ardrey Kell High School
Grades 9-12 · 3,605 students
Myers Park High School
Grades 9-12 · 3,430 students
South Mecklenburg High School
Grades 9-12 · 3,244 students
East Mecklenburg High School
Grades 9-12 · 2,372 students
Julius L. Chambers High School
Grades 9-12 · 2,316 students
Palisades High School
Grades 9-12 · 2,241 students
Providence High School
Grades 9-12 · 2,126 students
Mallard Creek High School
Grades 9-12 · 2,099 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Charlotte, NC?
Ordered by distance from Charlotte, not by size. Compare Charlotte side by side with any of them.
Charlotte housing market FAQ
Is Charlotte a buyer's or seller's market?
Charlotte, NC is currently a balanced market. That read comes from 3.6 months of supply, homes going under contract in about 46 days, and sellers getting 99.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Charlotte?
The typical home in Charlotte, NC is worth $392,573 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $443,100, about $249 per square foot.
Is Charlotte cheaper than the rest of North Carolina?
Charlotte's median sale price of $443,100 is 11% higher than the North Carolina statewide median of $397,600, and 8% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Charlotte?
Homes in Charlotte, NC spent a median of 46 days on market before going under contract, versus 52 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Charlotte?
At the current 30-year fixed rate of 7.03%, 20% down on a $392,573 home is about $2,096 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $89,819 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $78,438.
Are home prices rising in Charlotte?
The typical home value in Charlotte, NC fell 2.3% over the last 12 months, from $401,666 to $392,573 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Charlotte?
Charlotte ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Charlotte?
That depends on your timeline, not on a headline. What the data says today: Charlotte, NC is a balanced market with 3.6 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 18.8x means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Properties Incorporated publishes the data; it does not give financial advice.
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