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Charlotte city, NC

ZIP 28226 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28226

Median Home Value
$560,100
Median Rent
$1,370
Affordability Snapshot
$154,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,598/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

34.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 28226 in Charlotte city, NC, a household would need roughly $154,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,598. That is about 36% above the local median household income ($113,203), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.4%+3% vs US avg
x
Vacancy Rate
6.4%-37% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
8.6%-42% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$560,100
Home Value
$1,370
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.4%
  • 1-unit attached11.3%
  • 2-9 units7.7%
  • 10+ units18.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$560,100
Median rent$1,370
Owner-occupied67.4%
Vacant6.4%
Price-to-income4.9x
Est. income to buy$154,000