Median home value in zip code 28278 (Charlotte, NC) is $497K, down 1.0% 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$497,185

YoY Change

-1.0%

AFFORDABILITY

Enter your income for 28278 (Charlotte).

Income (annual)

Down Payment

$99,437 on $497,185

Out of reach — 49.6% of income

Need $132,814/yr to afford.

PITI$3,099

P/I49.6%

Afford$281K

Gap-$216K

P&I $2,514Tax $435Ins $150

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

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

Metro Analysis

28278 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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