Median home value in zip code 28209 (Charlotte, NC) is $649,905, up 2.7% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Home Value$649,905

YoY Change

+2.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 28209 (Charlotte).

Income (annual)

Down Payment

$129,981 on $649,905

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

Out of reach64.1% of income

Need $171,643/yr to afford.

PITI$4,005

P/I64.1%

Afford$284K

Gap-$366K

P&I $3,286Tax $569Ins $150

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

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

Metro Analysis

28209 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.