ZIP 28270 vs ZIP 28203

28270 is one of 34 ZIP codes that lie mostly in Mecklenburg County, NC.

Shaded by typical home value, it ranks 3 of the 29 with a value.

4 school locations in 28270: 2 elementary, 1 middle, 1 high.

In alphabetical order: Lansdowne Elementary, McKee Road Elementary, Providence High School, Telra Institute. Locations only — no ratings are shown here.

28203 is one of 34 ZIP codes that lie mostly in Mecklenburg County, NC.

Shaded by typical home value, it ranks 4 of the 29 with a value.

2 school locations in 28203: 1 elementary, 1 middle.

In alphabetical order: Dilworth Elementary School: Latta Campus, Marie G Davis School. Locations only — no ratings are shown here.

In January 2000 the typical home in 28270 was worth $216,993.

Values peaked at $679,910 in August 2026. The latest reading is the peak.

As of August 2026: $679,910, +2.2% over twelve months.

Start with the typical home: $679,910. Put 20% down and borrow $543,928 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,766 a month in principal and interest.

The median household here earns $128,660 a year, $10,722 a month. So the payment takes 35.1% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,299.

In December 2020, with rates at 2.68%, it was $1,387.

By August 2026, at 6.67%, it was $3,498 — +152% since December 2020, while the home's value moved +59%.

Reported values rose +213% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $428,258. So the real change is +59%, not +213%.

28270: +213% since January 2000.

Mecklenburg County: +164% since January 2000.

North Carolina: +156% since January 2000 — 28270 ran ahead of it by 57 points.

Against 834 North Carolina ZIP codes, 28270 sits at the 23rd percentile for affordability (price vs local income).

59th for appreciation (recent value growth); 7th for rental yield (rent vs price).

Owning the typical home costs about $4,446 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,583 a month.

Price divided by a year's rent: 35.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 28203 was worth $196,661.

Values peaked at $681,344 in March 2026. The latest reading is −0.9% from that peak.

As of August 2026: $675,347, +0.8% over twelve months.

Start with the typical home: $675,347. Put 20% down and borrow $540,278 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,741 a month in principal and interest.

The median household here earns $103,860 a year, $8,655 a month. So the payment takes 43.2% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,178.

In December 2020, with rates at 2.68%, it was $1,693.

By August 2026, at 6.67%, it was $3,474 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +243% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $388,131. So the real change is +74%, not +243%.

28203: +243% since January 2000.

Mecklenburg County: +164% since January 2000.

North Carolina: +156% since January 2000 — 28203 ran ahead of it by 87 points.

Against 834 North Carolina ZIP codes, 28203 sits at the 10th percentile for affordability (price vs local income).

39th for appreciation (recent value growth); 19th for rental yield (rent vs price).

Owning the typical home costs about $4,416 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,063 a month.

Price divided by a year's rent: 27.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 54 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 130. That is 60% of the 2015–2019 level for the same months.

Going out — closed sales: about 53 a month. That is 71% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 53 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 96% of it, and below it in 22 of the last 24 months.

Across Mecklenburg County, builders pulled permits for 7,496 new homes in 2025.

Of those, 50% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 30 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 83.

Going out — closed sales: about 29 a month. That is 80% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 29 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 91% of it, and below it in 23 of the last 24 months.

Across Mecklenburg County, builders pulled permits for 7,496 new homes in 2025.

Of those, 50% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Mecklenburg County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,420 moved in. Among the ten receiving the most, 16,268 moved out.

Net across those counties: −4,848 households. Beside it, homes for sale in this ZIP: 130 in June 2026.

Most arrivals came from Cabarrus, NC (2,155 households); most departures went to Cabarrus, NC (3,143).

This ZIP sits in Mecklenburg County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,420 moved in. Among the ten receiving the most, 16,268 moved out.

Net across those counties: −4,848 households. Beside it, homes for sale in this ZIP: 83 in June 2026.

Most arrivals came from Cabarrus, NC (2,155 households); most departures went to Cabarrus, NC (3,143).