Charlotte Metro
Charlotte Metro Market Report
Top 10 ZIPs by size — 7.32% mortgage rate — Updated 10/27/2026
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free · county-record data · links back hereListings Flow Ladder — Charlotte
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
- Faucet — new listings
- 3,990/mo
- 90% of normal (4,415) · normal
- Basin — active listings
- 14,425
- 103% of normal (14,069) · balanced
- Months of supply
- 4.2 mo
- derived — not published at this grain
- Drain — closed sales
- 3,464/mo
- 83% of normal (4,166)
- Net — faucet minus drain
- +526/mo
- filling
- Reading
- current
- as of 2026-09-30
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
- 19%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
- 17%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
- 452/mofall in the monthly rate (12%)— peak 3,916/mo (2026-07-31) to 3,464/mo now
- 11,606transactions that did not happen— summed monthly shortfall vs the same-month normal, over 24 months below it (vs 2015-19 (COVID excluded))
- rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). Aggregated over a fixed panel of 87 zips — the panel is fixed so a change in who reports cannot look like a change in the market. months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month.
Verified county coverage:Mecklenburg County, NC
New Listings Trend
Monthly new for-sale listings · Redfin + Realtor.com · Charlotte, NC
as of Sep 1, 2026Buyer Leverage — Should I Buy in Charlotte?
MODERATE — Charlotte has mixed conditions, pockets of opportunity
| ZIP | City | Score | Median Price | YoY | Burden | Buy/Rent | DOM | Supply | Gap % |
|---|---|---|---|---|---|---|---|---|---|
| 28277 | Charlotte | 53 | $602,387 | +0.4% | 32.5% | Rent | 49d | 3.9mo | -72.2% |
| 28269 | Charlotte | 48 | $351,379 | -2.4% | 28.6% | Neutral | 62d | 3.8mo | -44.9% |
| 28078 | Huntersville | 54 | $535,352 | +0.2% | 29.3% | Rent | 62d | 3.2mo | -49% |
| 28227 | Mint Hill | 47 | $383,407 | 0.0% | 33.6% | Neutral | 58d | 3.9mo | -49.3% |
| 28210 | Charlotte | 36 | $558,454 | +1.3% | 39.1% | Rent | 49d | 3.3mo | -66.2% |
| 28215 | Charlotte | 43 | $344,020 | -1.2% | 34.3% | Buy | 68d | 4.3mo | -21.8% |
| 28216 | Charlotte | 54 | $316,033 | -1.1% | 32.1% | Neutral | 57d | 4.2mo | -14.6% |
| 28226 | Charlotte | 43 | $665,252 | +2.4% | 38.8% | Rent | 49d | 3.8mo | -59.4% |
| 28105 | Matthews | 56 | $483,056 | +0.1% | 30.6% | Rent | 46d | 3.6mo | -34.2% |
| 28205 | Charlotte | 29 | $454,009 | -0.5% | 41.3% | Rent | 61d | 4.4mo | -54.3% |
Median price and 12-month change: Zillow Home Value Index (ZHVI); where a ZIP has no ZHVI value, the county assessor average. Days on market: Redfin Data Center, rolling 90 days; months of supply: Redfin Data Center. Rent: Zillow Observed Rent Index (ZORI); where a ZIP has no ZORI value, the Census ACS county rent.
Every ZIP market page in Charlotte Metro (56)
Mecklenburg County, NC
- 28001 Albemarle
- 28012 Belmont
- 28025 Concord
- 28027 Concord
- 28031 Cornelius
- 28035
- 28036 Davidson
- 28037 Denver
- 28054 Gastonia
- 28056 Gastonia
- 28070
- 28075 Harrisburg
- 28078 Huntersville
- 28079 Lake Park
- 28081 Kannapolis
- 28104 Matthews
- 28105 Matthews
- 28106
- 28107 Midland
- 28115 Mooresville
- 28117 Mooresville
- 28120 Mount Holly
- 28134 Pineville
- 28164 Stanley
- 28173 Waxhaw
- 28202 Charlotte
- 28203 Charlotte
- 28204 Charlotte
- 28205 Charlotte
- 28206 Charlotte
- 28207 Charlotte
- 28209 Charlotte
- 28210 Charlotte
- 28212 Charlotte
- 28213 Charlotte
- 28214 Charlotte
- 28215 Charlotte
- 28216 Charlotte
- 28217 Charlotte
- 28220
- 28221
- 28222
- 28226 Charlotte
- 28227 Mint Hill
- 28256
- 28262 Charlotte
- 28269 Charlotte
- 28270 Charlotte
- 28271
- 28273 Charlotte
- 28277 Charlotte
- 28278 Charlotte
- 28297