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Charlotte city, NC

ZIP 28269 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28269

Median Home Value
$300,300
Median Rent
$1,391
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,929/mo PITI).

21%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

18.0 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 28269 in Charlotte city, NC, a household would need roughly $83,000 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 $1,929. That is roughly in line with the local median household income ($81,063). 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
62.5%-4% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
17.0%-56% vs US avg
x
$300,300
Home Value
$1,391
Rent
1999
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached69.1%
  • 1-unit attached8.9%
  • 2-9 units4.0%
  • 10+ units15.8%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,300
Median rent$1,391
Owner-occupied62.5%
Vacant5.8%
Price-to-income3.7x
Est. income to buy$83,000