Charlotte 28210

Charlotte-Concord-Gastonia, NC-SC · Mecklenburg County, NC · 15,053 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

39affordability /100

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

Payment burden
37%
severe
Days on market
36
daily
Price cuts
24.6%
of active
Valuation
-67.1%
vs assessor
Look up an address
38
/100
Weak
warming · balanced · prices rising year-over-year.
Price trend
62
Affordability
25
Valuation
20
Economic health
39

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

59/ 100SellerBalancedBuyer
Balanced Market
Needs 18.9% correction for affordability
DOM: 55d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)0
Days on Market (5%)60

Balanced market in 28210. List price is roughly fair — focus on condition and value. Payment burden: 37.0% of median income. A 6% price correction needed to reach 30% affordability threshold. Median days on market: 55. Renting is approximately 174% cheaper than buying (price-to-rent ratio: 32.9).

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

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$574,487
▴ 1.7% YoY
Days on market
36
daily · zip_data
Median rent
$1,456
ZORI
Investor score
34/100
cash-flow lens
Active listings
189
90-day

Valuation3 lenses, different anchors

vs assessor
-67.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$189,000
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$440
Price-to-income6.1×

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How 28210 ranks in NC
percentile vs all North Carolina ZIPs · n=834
Market velocity84%
Supply tightness67%
Affordability15%
Investment yield12%
Appreciation53%

Affordability, supply & momentum

34SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply12.8 mo
Days on Market36d
Inv vs History+21.0%
Listing Density9.1/1k
Affordability — payment burden
Monthly payment (P&I)$2,902
Payment burden37%
Median income · ZIP$94,145
Mortgage rate6.49% · 30yr
Total monthly own$3,476
Monthly rent$1,456
Market dynamics
Price cut %24.6%
Momentumwarming
LeverageBALANCED
Months of supply12.8
Sales (90d)0
Investment analysis
Median rent$1,456
Price-to-rent32.9
Est. cap rate2.0%
Buy vs rentfavors renting

Livability

Walk score5
Transit score7
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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