Charlotte housing market: home prices, trends and forecast
Charlotte home prices: in September 2026 the Zillow Home Value Index valued a typical home in Charlotte, North Carolina at $389,648, −1.2% against a year earlier and −3.0% beneath its $401,646 June 2024 peak.
- Value of a typical home
- $389,648September 2026, Zillow ZHVI
- Change over 12 months
- −1.2%. Measured against September 2025.
Charlotte home prices since 2000
Charlotte appears as the steel line, while the grey line shows the United States. From January 2000 the typical Charlotte home has risen from $147,257 to $389,648, ×2.65, while the US over those same months reached ×2.99. The boom high reached $180,048 in March 2008; the low was $138,552 in January 2012, −23.0%.
Charlotte median home price, year by year
Each year averages its twelve monthly values; for 2026 only the latest month is shown.
| Year | Charlotte | Change on the year | United States |
|---|---|---|---|
| 2000 | $149,448 | $125,745 | |
| 2001 | $153,975 | +3.0% | $134,899 |
| 2002 | $156,076 | +1.4% | $144,276 |
| 2003 | $156,827 | +0.5% | $155,308 |
| 2004 | $158,598 | +1.1% | $169,891 |
| 2005 | $161,674 | +1.9% | $189,732 |
| 2006 | $167,989 | +3.9% | $206,531 |
| 2007 | $176,552 | +5.1% | $208,449 |
| 2008 | $177,573 | +0.6% | $195,574 |
| 2009 | $165,286 | −6.9% | $177,542 |
| 2010 | $157,205 | −4.9% | $171,462 |
| 2011 | $143,930 | −8.4% | $162,508 |
| 2012 | $141,145 | −1.9% | $161,137 |
| 2013 | $151,481 | +7.3% | $171,420 |
| 2014 | $164,687 | +8.7% | $182,996 |
| 2015 | $175,189 | +6.4% | $192,738 |
| 2016 | $191,830 | +9.5% | $204,509 |
| 2017 | $211,131 | +10.1% | $216,767 |
| 2018 | $231,238 | +9.5% | $230,541 |
| 2019 | $245,616 | +6.2% | $242,088 |
| 2020 | $263,507 | +7.3% | $257,151 |
| 2021 | $315,569 | +19.8% | $295,959 |
| 2022 | $382,791 | +21.3% | $340,014 |
| 2023 | $386,400 | +0.9% | $348,160 |
| 2024 | $399,860 | +3.5% | $359,751 |
| 2025 | $396,809 | −0.8% | $362,959 |
| September 2026 | $389,648 | −1.2% | $366,157 |
What a home bought in Charlotte in any year is worth now
This is an index-based estimate, not an appraisal, for a typical home.
Each year's figure averages its twelve monthly index values; the current value is September 2026. See also: home appreciation calculator.
Are you thinking of selling? Compare local agents at Realtor.com. Advertising disclosure: links like this one may pay the site, but they never change a number. Disclosure.
Charlotte housing market forecast
Zillow's forecast puts the Charlotte, NC metro at −0.3% across 12 months starting September 2026, with −0.5% for the three months ahead. Charlotte's typical home value of $389,648 applied to that forecast lands near $388,500 a year on.
Restated here, the metro figure comes from Zillow's central estimate; the site does not publish a forecast of its own. Over 12 months, forecasts like this one have usually come in several percentage points away from the realised change, in both directions. This is not investment advice.
All metro forecasts in one table: housing market forecast.
Charlotte housing market crash risk score
Scored high: 68 out of 100.
Against the 292 cities, Charlotte is ranked on five conditions that were high before past price falls. Every input is placed from 0 to 100 compared with the other cities, and the five positions are averaged with equal weight. It describes present conditions; it does not predict a crash.
| Input | Value | Sub-score | Weight |
|---|---|---|---|
| Active listings vs 2019 | +33.1% | 83 | 20% |
| Days on the market vs 2019 | +23.1% | 82 | 20% |
| Price-to-rent ratio | 18.8 | 54 | 20% |
| Price-to-income ratio | 4.5 | 42 | 20% |
| 12-month price change | −1.2% | 80 | 20% |
This is not investment advice. How each input is scored: methodology. Every one of the 292 cities, ranked: city crash risk.
Charlotte: listings and how long a home sits on the market
In September 2026 the Charlotte, NC metro counted 11,182 homes for sale: +10.3% more than a year earlier, +33.1% more than the same month of 2019. Listings sold in a median of 64 days (+23.1% against 2019), and 26.2% of them carried a price cut.
| Charlotte, NC metro, September 2026 | Value | On a year |
|---|---|---|
| Active listings | 11,182 | +10.3% |
| New listings | 3,742 | |
| Median days on market | 64 | +10.3% |
| Median list price | $424,950 | −3.1% |
| Share with a price cut | 26.2% |
Metro inventory, from Realtor.com® Economic Research. Realtor.com data. All metros: days on market by city.
Renting and living costs in Charlotte
The Zillow Observed Rent Index puts Charlotte's typical asking rent at $1,729 a month, which is +1.0% on a year. Paying for a typical home takes 18.8 years of rent at that rate. Median household income stands at $86,416 (Census ACS 2024), which puts the typical home at 4.5 times yearly income. BEA's figures put metro prices at 97.3 next to a US average of 100, with housing costs at 97.6.
Other North Carolina housing markets
- Raleigh at $424,663.
- Greensboro: $260,573.
- In Durham, $384,724.
- In Winston-Salem, $260,047.
- Fayetteville, North Carolina $221,511
- Wilmington, North Carolina $416,464
- Asheville: $444,478.
- Chapel Hill $621,909
For the whole state: North Carolina housing market.
How to read this chart
Each point plots the Zillow Home Value Index for Charlotte: what a typical home in the market's middle third was worth, smoothed and seasonally adjusted, expressed in that month's dollars. A hollow dot indicates the month chosen on the slider, while a terracotta dot shows the most recent month. No inflation adjustment is applied here, and what an index follows is the typical home, not any one house: use the card above or the home appreciation calculator to find one home's value using the sale price of that home.