Mint Hill 28227

Charlotte-Concord-Gastonia, NC-SC · Mecklenburg County, NC · 17,887 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

48affordability /100

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

Payment burden
31.7%
stretched
Days on market
57
daily
Price cuts
27.2%
of active
Valuation
-50.6%
vs assessor
Look up an address
50
/100
Mixed
stable · buyer advantage · prices rising year-over-year.
Price trend
55
Affordability
65
Valuation
20
Economic health
48

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 5.4% correction for affordability
DOM: 63d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 28227. List price is roughly fair — focus on condition and value. Payment burden: 31.7% of median income. Median days on market: 63. Renting is approximately 56% cheaper than buying (price-to-rent ratio: 18.7).

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

Market is holding steady with balanced conditions. Buyers have strong negotiating leverage.

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Market snapshoteach number, once

Median price
$393,378
▴ 0.1% YoY
Days on market
57
daily · zip_data
Median rent
$1,753
ZORI
Investor score
56/100
cash-flow lens
Active listings
256
90-day

Valuation3 lenses, different anchors

vs assessor
-50.6%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$194,400
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$266
Price-to-income5.2×

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How 28227 ranks in NC
percentile vs all North Carolina ZIPs · n=834
Market velocity59%
Supply tightness57%
Affordability25%
Investment yield58%
Appreciation29%

Affordability, supply & momentum

22SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply12.4 mo
Days on Market57d
Inv vs History+25.9%
Listing Density11.8/1k
Affordability — payment burden
Monthly payment (P&I)$1,987
Payment burden31.7%
Median income · ZIP$75,322
Mortgage rate6.49% · 30yr
Total monthly own$2,380
Monthly rent$1,753
Market dynamics
Price cut %27.2%
Momentumstable
LeverageBUYER ADVANTAGE
Months of supply12.4
Sales (90d)0
Investment analysis
Median rent$1,753
Price-to-rent18.7
Est. cap rate3.5%
Buy vs rentneutral

Livability

Walk score2
Transit score1
Bike score—

Historical trends

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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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