| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $424,950 | -3.1% YoY |
| Median price per sq ft | $217 | 1,994 sq ft median |
| Median days on market | 64 | +10% YoY |
| Active listings | 11,182 | +10% YoY |
| New listings this month | 3,742 | September 2026 |
| Listings with a price cut | 26% | Share of active |
| Median sale price (closed) | $425,000 | +0.8% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 98.4% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 41.9% | 4,681 pending |
| Inventory vs 2019 | 133% | Active listings vs same month in 2019 |
| Gross rental yield | 4.5% | 2BR fair market rent |
Major metropolitan market · North Carolina · September 2026 data
What is the Charlotte, NC real estate market doing?
As of September 2026, the median home listed in Charlotte, NC asks $424,950, down 3.1% year over year. Homes spend a median of 64 days on market, with 11,182 active listings and 26% carrying a price cut; pending contracts equal 42% of active listings, and inventory sits at 133% of the same month in 2019 — a balanced market. Estimated gross rental yield on the median listing is 4.5%. Figures come from public records and industry data, updated monthly.
Median listing price
$424,950
▼ 3.1% YoY
Median $ / sq ft
$217
1,994 sq ft median
Median days on market
64
September 2026
Active listings
11,182
For sale now
New listings
3,742
September 2026
Listings with price cuts
26%
Share of active
Inventory vs 2019
133%
Same month, 2019 = 100
Pending / active
42%
Contract activity
Median sale price (closed)
$425,000
▲ 0.8% YoY · closed sales · July 2026
Sale-to-list ratio
98.4%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
3,313
Closed sales · July 2026, seasonally adjusted
What is the Charlotte, NC housing market doing right now?
The Charlotte, NC housing market lists at a $424,950 median as of September 2026, down 3.1% year over year, with a 64-day median market time and 11,182 homes for sale (26% with a price cut). Active inventory is 133% of the 2019 level, reading as a balanced market under WealthyBud's published buyer/seller rule. Gross rental yield is about 4.5%.
Charlotte housing market statistics
The table summarizes Charlotte's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Charlotte.
How have home prices changed in Charlotte?
Charlotte home prices are down 3.1% year over year and -0.9% month over month as of September 2026, at a $424,950 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Charlotte NC · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Charlotte NC · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Charlotte?
Charlotte has 11,182 active listings, 3,742 new this month, 4,681 pending as of September 2026. About 26% of active listings have cut their price, and inventory sits at 133% of its 2019 level — a balanced market by pace.
Is Charlotte a good real estate investment?
Charlotte scores 41/100 on WealthyBud's composite Investor Score, ranking #638 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
41/100
#638 of 933 covered metros
Price volatility
High
σ 6.8% · 20-yr price-index swings
Charlotte scores 41/100 on our composite Investor Score (#638 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 59% over five years and +127% over ten, leaving prices 76% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,577/mo for a two-bedroom, the gross rental yield on the median listing is about 4.5%; active inventory sits at 133% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are down 3.1% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Charlotte ranks on the trending markets index.
How much is a monthly mortgage payment in Charlotte?
A home at Charlotte's $424,950 median listing runs about $2,326 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$2,100/mo
−$226/mo vs today
At today's rate · 7.28%
$2,326/mo
National weekly average
If rates rise 1% · 8.28%
$2,561/mo
+$235/mo vs today
Principal & interest on the $424,950 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Charlotte?
To buy Charlotte’s $424,950 median listing with 20% down, a household needs about $110,000 a year in gross income, keeping principal, interest and property tax ($2,570/mo) at 28% of income. That is 1.4× the area’s $80,201 median household income, so a typical Charlotte household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $424,950 | September 2026 |
| Down payment (20%) | $84,990 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $2,326/mo | Rate as of 2026-10-01 |
| Property tax (0.69% effective rate) | $244/mo | Census ACS |
| Income needed (28% rule) | $110,000 | Gross household income / yr |
| Median household income | $80,201 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Charlotte housing market?
Longer-run demand in Charlotte shows up in 22,168 homes permitted in 2025; net migration of +19,908 residents; +1.5% job growth. Natural-hazard risk rates Relatively Moderate. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
22,168
▼ 14.6% vs 2024
8.2 per 1,000 residents
Net migration (2022–2023)
+19,908
▲ people, via tax-return records
net income flow +$1004.0M/yr
Job growth (YoY)
+1.5%
▲ 1,408.6k nonfarm jobs · August 2026
Natural-hazard risk
Relatively Moderate
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
What is the latest Charlotte real estate news?
Cities With the Fastest-growing Home Prices in the Charlotte Metro AreaStacker · 2026-06-30→Are homes selling in Charlotte in 2026?Watauga Democrat · 2026-06-25→Real Estate Market Trends in Charlotte, NC: Prices FallRealtor.com · 2026-06-05→Cities With the Fastest-growing Home Prices in North CarolinaStacker · 2026-06-29→
Charlotte's housing market shows conflicting signals with some areas experiencing price growth while overall prices are falling. — AI-generated summary of the headlines above; read the linked coverage before relying on it.
Headlines collected 2026-07-05; each links to the original publisher.
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Charlotte by ZIP code
Median price, pace and inventory for 29 Charlotte ZIPs — the spread behind the metro number.
Explore DirectoryTop agents in Charlotte
The highest-producing real estate agents in Charlotte, ranked by recent sales.
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Hours, exam and the commission that regulates North Carolina agents.
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What real estate agents actually earn across North Carolina.
ReadCharlotte housing market FAQ
What is the median home price in Charlotte?
As of September 2026, the median listing price in Charlotte, NC is $424,950, down 3.1% year over year (source: public records and industry data).
How much does it cost to buy a home in Charlotte?
The median home listed in Charlotte asks $424,950 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $2,326 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Charlotte?
The median property in Charlotte spends 64 days on the market, with 11,182 homes actively listed and 26% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Charlotte?
With a median 64 days on market and 26% of active listings carrying a price cut, pending contracts at 42% of active listings, Charlotte reads as a balanced market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Charlotte a good place to invest in real estate?
Charlotte scores 41/100 on WealthyBud's Investor Score, ranking #638 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Charlotte?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Charlotte and the wider North Carolina market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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