Matthews 28105

Charlotte-Concord-Gastonia, NC-SC · Mecklenburg County, NC · 13,842 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

53affordability /100

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

Payment burden
28.8%
stretched
Days on market
46
daily
Price cuts
19.4%
of active
Valuation
-35.8%
vs assessor
Look up an address
56
/100
Mixed
stable · balanced · prices rising year-over-year.
Price trend
62
Affordability
65
Valuation
35
Economic health
53

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

48/ 100SellerBalancedBuyer
Balanced Market
DOM: 71d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)85
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)75

Balanced market in 28105. List price is roughly fair — focus on condition and value. Payment burden: 28.8% of median income. Median days on market: 71. Renting is approximately 104% cheaper than buying (price-to-rent ratio: 24.5).

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

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$494,547
▴ 1.0% YoY
Days on market
46
daily · zip_data
Median rent
$1,683
ZORI
Investor score
40/100
cash-flow lens
Active listings
145
90-day

Valuation3 lenses, different anchors

vs assessor
-35.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$317,700
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$225
Price-to-income4.7×

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How 28105 ranks in NC
percentile vs all North Carolina ZIPs · n=834
Market velocity73%
Supply tightness67%
Affordability37%
Investment yield35%
Appreciation40%

Affordability, supply & momentum

36SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply10.2 mo
Days on Market46d
Inv vs History+16.5%
Listing Density8.7/1k
Affordability — payment burden
Monthly payment (P&I)$2,498
Payment burden28.8%
Median income · ZIP$104,242
Mortgage rate6.49% · 30yr
Total monthly own$2,993
Monthly rent$1,683
Market dynamics
Price cut %19.4%
Momentumstable
LeverageBALANCED
Months of supply10.2
Sales (90d)0
Investment analysis
Median rent$1,683
Price-to-rent24.5
Est. cap rate2.7%
Buy vs rentfavors renting

Livability

Walk score5
Transit score2
Bike score

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Mecklenburg County contextmacro · jobs · debt · migration

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

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