Median home value in zip code 28012 (Belmont, NC) is $415K, up 1.6% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Charlotte-Concord-Gastonia, NC-SC metro →

Home Value$415,384

YoY Change

+1.6%

AFFORDABILITY

Enter your income for 28012 (Belmont).

Income (annual)

Down Payment

$83,077 on $415,384

Out of reach — 41.8% of income

Need $112,029/yr to afford.

PITI$2,614

P/I41.8%

Afford$278K

Gap-$137K

P&I $2,100Tax $363Ins $150

6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

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

Metro Analysis

28012 is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Charlotte-Concord-Gastonia, NC-SC analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free