Median home value in zip code 28205 (Charlotte, NC) is $456,788, down 0.2% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Home Value$456,788

YoY Change

-0.2%

Prices falling — better for buyers.

Affordability

Enter your income for 28205 (Charlotte).

Income (annual)

Down Payment

$91,358 on $456,788

Example: $75,000 household income. Change it above to see your own.

Out of reach45.7% 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

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

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.