The median home in Charlotte, North Carolina is valued at $390,729, down 1.4% year over year. Typical monthly rent is $1,691, producing a price-to-rent ratio of 19.3x — near the national average of 18x. Charlotte 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$390,729

-1.4%

Rent$1,691/mo

AFFORDABILITY

Enter your income for Charlotte.

Income (annual)

Down Payment

$78,146 on $390,729

Out of reach — 38.4% of income

Need $102,814/yr to afford.

PITI$2,399

P/I38.4%

Afford$285K

Gap-$106K

P&I $1,976Tax $274Ins $150

Renting $708/mo cheaper ($1,691 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 Charlotte 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 →

CHARLOTTE, NC