The typical home in Charlotte is listed at $437,000, -1.8% on a year earlier. Projected forward, a typical home would be worth about $429,000 in 2027 and $567,000 in 2031.
The first 2 years follow this year's change in list prices (-1.8%); later years use the Federal Housing Finance Agency's house price index average for these ZIP codes from 2020 to 2025 (+10.4% a year).
Charlotte home values by year
| Year | Typical home value | Annual change used |
|---|---|---|
| 2026 (now) | $437,000 | — |
| 2027 (projected) | $429,000 | -1.8% (this year's listings) |
| 2028 (projected) | $422,000 | -1.8% (this year's listings) |
| 2031 (projected) | $567,000 | +10.4% (FHFA 2020–2025) |
Homes for sale in these ZIP codes have been on the market a median of 52 days.
By ZIP code
| ZIP | Median list price | A year ago | Sale listings | FHFA trend 2020–2025 |
|---|---|---|---|---|
| 28269 | $360,000 | $369,990 | 555 | +9.7%/yr |
| 28277 | $599,990 | $625,000 | 498 | +11.3%/yr |
| 28215 | $388,000 | $397,900 | 566 | +10.1%/yr |
| 28216 | $343,230 | $348,730 | 480 | +10.8%/yr |
| 28205 | $529,999 | $524,900 | 448 | +9.4%/yr |
| 28273 | $389,900 | $375,000 | 182 | +10.9%/yr |
Read this with care
List prices are what sellers ask, not what homes sell for, and a one-year change in them can swing with what happens to be on the market. The FHFA trend covers 2020 to 2025, including the pandemic-era run-up, so it may overstate where prices go from here. The projection is both trends carried forward, not a call on the next turn.
Source: RentCast market data for 6 of Charlotte's 24 ZIP codes (the most populous, home to 43% of residents in the city's ZIP codes, per the Census Bureau's ACS 2023). A ZIP counts only with at least 20 active listings. Retrieved October 14, 2026. Figures are listing-weighted averages of ZIP medians, not an appraisal. How Predictye calculates this.
Frequently asked questions
What will homes in Charlotte, NC be worth in 2027?
A typical $437,000 home would be worth about $429,000 in 2027. The first 2 years follow this year's change in list prices (-1.8%); later years use the Federal Housing Finance Agency's house price index average for these ZIP codes from 2020 to 2025 (+10.4% a year).
What is the typical home price in Charlotte, NC?
The typical list price is $437,000, across 2,729 active sale listings in 6 ZIP codes.
Are home prices in Charlotte going up or down?
Over the past year, list prices in these ZIP codes moved -1.8%. The longer FHFA trend from 2020 to 2025 is +10.4% a year.