Charlotte 28213

Charlotte-Concord-Gastonia, NC-SC · Mecklenburg County, NC · 9,170 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

41affordability /100

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

Payment burden
35.8%
stretched
Days on market
64
daily
Price cuts
21.6%
of active
Valuation
-56.1%
vs assessor
Look up an address
38
/100
Weak
stable · balanced · prices easing year-over-year.
Price trend
42
Affordability
45
Valuation
20
Economic health
41

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

56/ 100SellerBalancedBuyer
Balanced Market
Needs 16.2% correction for affordability
DOM: 113d (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%)50
Days on Market (5%)100

Balanced market in 28213. List price is roughly fair — focus on condition and value. Payment burden: 35.8% of median income. Median days on market: 113. Renting is approximately 43% cheaper than buying (price-to-rent ratio: 17.2).

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
$328,354
▾ 0.8% YoY
Days on market
64
daily · zip_data
Median rent
$1,588
ZORI
Investor score
59/100
cash-flow lens
Active listings
176
90-day

Valuation3 lenses, different anchors

vs assessor
-56.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$144,220
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$188
Price-to-income5.9×

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How 28213 ranks in NC
percentile vs all North Carolina ZIPs · n=834
Market velocity50%
Supply tightness0%
Affordability17%
Investment yield66%
Appreciation21%

Affordability, supply & momentum

23SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.5 mo
Days on Market64d
Inv vs History+18.5%
Listing Density9.8/1k
Affordability — payment burden
Monthly payment (P&I)$1,659
Payment burden35.8%
Median income · ZIP$55,612
Mortgage rate6.49% · 30yr
Total monthly own$1,987
Monthly rent$1,588
Market dynamics
Price cut %21.6%
Momentumstable
LeverageBALANCED
Months of supply18.5
Sales (90d)0
Investment analysis
Median rent$1,588
Price-to-rent17.2
Est. cap rate3.8%
Buy vs rentneutral

Livability

Walk score1
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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