Median home value in zip code 28205 (Charlotte, NC) is $457K, down 0.2% 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$456,788

YoY Change

-0.2%

AFFORDABILITY

Enter your income for 28205 (Charlotte).

Income (annual)

Down Payment

$91,358 on $456,788

Out of reach — 45.7% of income

Need $122,529/yr to afford.

PITI$2,859

P/I45.7%

Afford$280K

Gap-$177K

P&I $2,310Tax $400Ins $150

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

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

Metro Analysis

28205 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

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