Belmont 28012

Charlotte-Concord-Gastonia, NC-SC · Gaston County, NC · 273 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

48affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

32.4%

stretched

Days on market

daily

Price cuts

28.1%

of active

Valuation

-28.7%

vs assessor

Look up an address

/100

Mixed

warming · buyer advantage · prices rising year-over-year.

Price trend

Affordability

Valuation

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

Balanced Market

Needs 7.4% correction for affordability

DOM: 92d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)25

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)75

Days on Market (5%)100

Balanced market in 28012. List price is roughly fair — focus on condition and value. Payment burden: 31.9% of median income. Median days on market: 92. Renting is approximately 57% cheaper than buying (price-to-rent ratio: 18.8).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.

WARMINGBUYER ADVANTAGE

Market is warming with rising prices. Buyers have strong negotiating leverage.

Address lookup$99 report path

Look Up an Address in 28012

Just type the street — we'll auto-scope the search to ZIP 28012.

Actions

Export, share, or compare this ZIP

Compare

Share & embed

free · county-record data · links back here

X LinkedIn Facebook Email Share card

Embed this market card on your site

<iframe src="https://lotvox.com/embed/zip/28012" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Belmont 28012 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/charlotte/zip/28012?utm_source=embed&utm_medium=backlink">Belmont 28012 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$424,109

▴ 0.2% YoY

Days on market

daily · zip_data

Median rent

$1,885

ZORI

Investor score

58/100

cash-flow lens

Active listings

218

90-day

Valuation3 lenses, different anchors

vs assessor

-28.7%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$302,200

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+79.0%

County-wide market — the widest, slowest signal.

Mecklenburg+79.0%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$168

Price-to-income5.2×

Unlock Vacancy Data

Available with Lotvox Pro — $29/mo.

Start free trial

How 28012 ranks in NC

percentile vs all North Carolina ZIPs · n=834

Market velocity61%

Supply tightness0%

Affordability25%

Investment yield57%

Appreciation30%

Affordability, supply & momentum

18SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply16.4 mo

Days on Market56d

Inv vs History+16.0%

Listing Density20.5/1k

Affordability — payment burden

Monthly payment (P&I)$2,192

Payment burden32.4%

Median income · ZIP$81,057

Mortgage rate6.71% · 30yr

Total monthly own$2,616

Monthly rent$1,885

Market dynamics

Price cut %28.1%

Momentumwarming

LeverageBUYER ADVANTAGE

Months of supply16.4

Sales (90d)0

Investment analysis

Median rent$1,885

Price-to-rent18.8

Est. cap rate3.5%

Buy vs rentneutral

Livability

Walk score7

Transit score—

Bike score—

Historical trends

Unlock Historical Trends

Available with Lotvox Pro — $29/mo.

Start free trial

Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Gaston.

Current tiers · 12 months to Aug 25floor 10 sales/tier

2 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 5 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	$369k	$213	37	52.1%	METRO · Charlotte, NC
$500k–$750k	$635k	$308	12	16.9%	METRO · Charlotte, NC
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$450k	$231	71	100%	METRO · Charlotte, NC

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 28012.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

Unlock Price Bands

Available with Lotvox Pro — $29/mo.

Start free trial

Gaston County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 28012→Mecklenburg County, NC

12-Month Direction

-8Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

36· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden48

31.2%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent17

1.739x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation0

+79%

overvalued

Source: Lotvox comps · Updated 2026-05-15