Charlotte 28211

Charlotte-Concord-Gastonia, NC-SC · Mecklenburg County, NC · 10,783 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

28affordability /100

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

Payment burden
43.4%
severe
Days on market
45
daily
Price cuts
25.0%
of active
Valuation
-69%
vs assessor
Look up an address
43
/100
Mixed
warming · balanced · prices rising year-over-year.
Price trend
82
Affordability
25
Valuation
20
Economic health
28

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

64/ 100SellerBalancedBuyer
Negotiate Hard
Needs 30.9% correction for affordability
DOM: 85d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)90
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)0
Days on Market (5%)75

Moderate buyer leverage in 28211. Room to negotiate 5-10% below list. Payment burden: 43.4% of median income. A 19% price correction needed to reach 30% affordability threshold. Median days on market: 85. Renting is approximately 220% cheaper than buying (price-to-rent ratio: 38.4).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
WARMINGBALANCED

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

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$932,453
▴ 2.9% YoY
Days on market
45
daily · zip_data
Median rent
$2,026
ZORI
Investor score
35/100
cash-flow lens
Active listings
186
90-day

Valuation3 lenses, different anchors

vs assessor
-69.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$289,000
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$376
Price-to-income7.2×

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How 28211 ranks in NC
percentile vs all North Carolina ZIPs · n=834
Market velocity74%
Supply tightness40%
Affordability6%
Investment yield6%
Appreciation66%

Affordability, supply & momentum

26SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply19.9 mo
Days on Market45d
Inv vs History+25.3%
Listing Density14.2/1k
Affordability — payment burden
Monthly payment (P&I)$4,710
Payment burden43.4%
Median income · ZIP$130,221
Mortgage rate6.49% · 30yr
Total monthly own$5,643
Monthly rent$2,026
Market dynamics
Price cut %25.0%
Momentumwarming
LeverageBALANCED
Months of supply19.9
Sales (90d)0
Investment analysis
Median rent$2,026
Price-to-rent38.4
Est. cap rate1.7%
Buy vs rentfavors renting

Livability

Walk score7
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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