The median home in Belmont, North Carolina is valued at $425,500, up 1.7% year over year. Typical monthly rent is $1,960, producing a price-to-rent ratio of 18.1x — near the national average of 18x. Belmont is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Charlotte-Concord-Gastonia, NC-SC stress score, crash risk, and 12-month forecast →

Home Value$425,500

+1.7%

Rent$1,960/mo

AFFORDABILITY

Enter your income for Belmont.

Income (annual)

Down Payment

$85,100 on $425,500

Out of reach — 41.6% of income

Need $111,386/yr to afford.

PITI$2,599

P/I41.6%

Afford$287K

Gap-$139K

P&I $2,152Tax $298Ins $150

Renting $639/mo cheaper ($1,960 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Carolina

Compare Belmont with other housing markets across North Carolina.

Wrightsville Beach$1644K Bald Head Island$1365K Cashiers$1341K Marvin$1225K Weddington$1041K Highlands$1015K Duck$978K Topsail Beach$927K

Full Charlotte-Concord-Gastonia, NC-SC analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Charlotte-Concord-Gastonia, NC-SC metro.

View Charlotte-Concord-Gastonia, NC-SC metro →

BELMONT, NC