Belmont 28012

Charlotte-Concord-Gastonia, NC-SC · Gaston County, NC · 273 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

64affordability /100

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

Payment burden
22.2%
affordable
Days on market
56
daily
Price cuts
27.9%
of active
Valuation
+2%
vs assessor
Look up an address
77
/100
Stable
warming · buyer advantage · prices rising year-over-year.
Price trend
55
Affordability
95
Valuation
90
Economic health
64

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

39/ 100SellerBalancedBuyer
Seller's Market
DOM: 92d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)75
Days on Market (5%)100

Seller-favored market in 28012. Expect to pay at or near list price. Payment burden: 22.2% of median income. Median days on market: 92. Renting is approximately 9% cheaper than buying (price-to-rent ratio: 13.1).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
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
Get alerts when this market changes

Market snapshoteach number, once

Median price
$296,250
▴ 1.6% YoY
Days on market
56
daily · zip_data
Median rent
$1,881
ZORI
Investor score
82/100
cash-flow lens
Active listings
218
90-day

Valuation3 lenses, different anchors

vs assessor
+2.0%
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
+79.8%
County-wide market — the widest, slowest signal.
Mecklenburg+79.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$168
Price-to-income3.6×

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 velocity60%
Supply tightness0%
Affordability77%
Investment yield88%
Appreciation51%

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+17.2%
Listing Density20.5/1k
Affordability — payment burden
Monthly payment (P&I)$1,496
Payment burden22.2%
Median income · ZIP$81,057
Mortgage rate6.49% · 30yr
Total monthly own$1,793
Monthly rent$1,881
Market dynamics
Price cut %27.9%
Momentumwarming
LeverageBUYER ADVANTAGE
Months of supply16.4
Sales (90d)0
Investment analysis
Median rent$1,881
Price-to-rent13.1
Est. cap rate5.0%
Buy vs rentfavors buying

Livability

Walk score7
Transit score—
Bike score—

Historical trends

Unlock Historical Trends

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.

Unlock County Economic Data

Available with Lotvox Pro — $29/mo.

Start free trial

Nearby ZIP codes

28032
Cramerton
$307,456
+0.3%
28101
Mc Adenville
$491,231
+3.9%
28056
Gastonia
$355,153
+1.6%
28098
Lowell
$275,349
+0.1%
28120
Mount Holly
$370,491
+1.5%
28214
Charlotte
$339,711
+0.2%
28208
Charlotte
$304,094
-1.3%
28054
Gastonia
$274,301
+0.2%
Charlotte Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Gaston County