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Charlotte city, NC

ZIP 28273 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28273

Median Home Value
$304,900
Median Rent
$1,485
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,959/mo PITI).

21%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

17.1 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 28273 in Charlotte city, NC, a household would need roughly $84,000 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 $1,959. That is roughly in line with the local median household income ($84,739). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
52.0%-20% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
0.3%-97% vs US avg
x
Built Post-2014
3.3%-52% vs US avg
x
Rent Burden >30%
18.6%-62% vs US avg
x
Mortgage-Free
19.4%-49% vs US avg
x
$304,900
Home Value
$1,485
Rent
2003
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached46.8%
  • 1-unit attached15.1%
  • 2-9 units4.2%
  • 10+ units32.3%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$304,900
Median rent$1,485
Owner-occupied52.0%
Vacant5.4%
Price-to-income3.6x
Est. income to buy$84,000