Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in September has weakened compared to last year with the median home price around $437,498 — down 2.7% from last year. Homes for sale in Charlotte* now spend an average of 57 days on the market, and nearly 48% sell below asking price, giving buyers more negotiating power.
Just a few of the 832,600 Veterans we've helped get into homes.
4,900 Veterans in the Charlotte-Concord-Gastonia, NC-SC area alone!
Based on Veterans United and Veterans United Realty's internal data.
Andrew K. | U.S. Army
Crystal J. | U.S. Air Force
David P. | U.S. Marine Corps
Lester B. | U.S. Army
Gregory L. | U.S. Military
Jason S. | U.S. Army
Terry M. | U.S. Air Force
Charlotte Metro Housing Market in August 2026
Median Days on Market
57 days
Homes are staying on the market 11.76% longer than last month.
Average Listing Price
$623,800
Average home prices are down 1.51% since last month.
Active Listings
11,221 homes
Number of houses on the market are up 2.46% since last month.
Homes in the Charlotte region sell at a moderate pace.
48% of listings reduced price last month.
4,106
New listings
Down 12.2% from last month
11,221
Active listings
Up 2.5% from last month
VA Loan Market Share
8% of originations last year were VA loans.
4,595
Sold last year
1/12
Were VA loans
Charlotte Area
Own vs Rent Trends
A higher share of owner-occupied homes often reflects stronger long-term ties to the community, since homeowners are more likely to stay in one place and invest in their neighborhoods. By contrast, areas with a larger renter population may be more transient, offering flexibility but sometimes less stability in housing markets.
It could also be an indication of market health, as affordable markets often have higher owner-occupancy rates.
The home listing price-to-income ratio in the Charlotte area is 5.4
The ratio compares how expensive homes are in Charlotte relative to household income. A higher ratio means homes cost more compared to what people earn.
A healthy price-to-income ratio is generally around 3 times your household's annual income (or less), but higher ratios can be sustainable depending on your rate, DTI, and more.
Median Home Prices by Neighborhood in the Charlotte Region
This section breaks down median home prices by neighborhood. Use these insights to see where housing costs trend higher or lower, and to better understand the market at the zip code level.
The Charlotte metro median income is $81,262.
Explore Charlotte Area Neighborhoods
See how median home prices in individual Charlotte neighborhoods compare to the overall metro median.
View this chart to learn about the median listing price and the number of active listings in Charlotte over time.
Month
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Jul 2026
Listing Price
$414,714
$401,427
$394,990
$389,950
$397,425
$400,808
$425,000
$434,881
$441,238
$439,990
$429,736
$425,000
$420,948
$414,945
$400,000
$400,000
$400,000
$410,104
$422,450
$435,000
$441,170
$439,400
$435,000
$430,000
$429,947
$428,750
$422,450
$420,000
$419,475
$425,000
$439,500
$450,000
$454,500
$449,433
$439,999
$438,500
$438,348
$429,740
$422,516
$415,000
$415,000
$424,950
$429,950
$439,000
$440,000
$437,498
Month
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Jul 2026
Active Listings
5,696
5,963
5,545
5,032
4,367
4,089
4,012
3,970
4,108
4,235
4,400
4,629
5,106
5,285
5,014
4,626
4,571
4,902
5,289
5,651
6,134
6,763
7,146
7,451
7,456
7,268
6,698
6,379
6,647
7,219
8,088
8,824
9,410
9,628
9,748
10,131
10,190
9,789
8,760
8,202
8,285
9,043
9,740
10,375
10,952
11,221
Median Days on Market
Days on Market
This chart shows the median days on market for active listings over time. In other words: how quickly homes move in the market. A declining rate means rising competition among buyers, while an increase means listings are sitting longer.
Month
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Jul 2026
Median Days on Market
45
48
60
70
57
43
40
39
38
39
38
40
40
43
53
59
45
38
37
32
36
37
44
48
53
55
63
67
56
43
42
44
48
53
57
58
59
62
72
78
69
49
45
47
51
57
Market Hotness Score
Market Hotness
Based on Realtor.com's Market Hotness Index, this measure reflects how competitive the housing market is by comparing buyer demand with available inventory. Rising hotness scores point to more competition, while declining scores signal cooling conditions.
Month
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Jul 2026
Hotness Score
57.5251
61.3712
61.204
55.8528
59.3645
66.2207
60.0334
55.5184
56.1873
57.0234
61.5385
64.3813
69.2308
67.5585
64.7157
68.0602
69.0635
65.8863
63.3779
63.8796
57.8595
60.5351
57.0234
54.5151
50.3344
56.0201
55.6856
59.0301
58.5284
60.3679
53.3445
47.4916
46.4883
44.4816
43.6455
44.6488
44.6488
46.3211
45.3177
42.1405
44.3144
51.3378
48.3278
42.9766
40.301
38.4615
Pending Homes-for-Sale %
Percentage of Homes Sold per Month
This chart shows the percentage of homes that sold each month, highlighting buyer demand and long-term market trends. In most markets, around 20% of listings selling each month is considered balanced. Higher percentages point to a strong sellers' market, while lower percentages indicate more favorable conditions for buyers.
Largest overall VA lender (purchase and refinance) for four consecutive years.
More VA purchase loans than any other lender for the past 10 consecutive years
Over the last six fiscal years, Veterans United made more VA purchase loans than USAA, Navy Federal Credit Union, Rocket Mortgage, Wells Fargo and Freedom Mortgage combined.
We have 811 Veterans ready to buy your home right now!
VA buyers should take advantage of South Carolina's tax-free benefit, one of the best in the Southeast. A knowledgeable support team can help navigate the VA loan process with confidence and handle any challenges that come up along the way.
Elise P.Veterans United Network Realty Agent
1-800-985-5723 | 1512 Heriford Road, Columbia, MO 65202. Not affiliated with any government agency including the VA. Missouri Licensed Real Estate Brokerage; for license information, visit VeteransUnitedRealty.com. Equal Housing Opportunity.
Start Your VA Loan With Veterans United
Not sure where to begin? Whether you're stationed nearby or planning to move near Charlotte, we’ll help you understand what to expect.
The entire process was easy with Veterans United. They give you an easy to use portal and tell you exactly what you need to upload. Compared to NFCU and USAA this made it super easy. The team here in Fayetteville were outstanding and I couldn't be happier with this process.
Joshua M. | Navy
Verified Customer
Our VU team was absolutely fantastic. So knowledgeable, approachable and helpful throughout the whole financing process. We had a lot of questions and worries and they were so patient and professional, we had complete confidence leading up to closing. We loved the communication structure online, ...
Matthew N. | Army
Verified Customer
The entire team wants you to succeed. Everyone roots for you. They work really hard to help to get into your dream home and I am very grateful for the assistance they have given me.
Geneva M. | Army
Verified Customer
I really loved my team! They made it a very smooth process.
Hannah K. | Air Force
Verified Customer
Everyone was very helpful and informative! The process couldn’t have been easier for a first time home buyer!
Ethan B. | Air Force
Verified Customer
I am grateful. I would recommend VU to other veterans.
Jazmin E. | Army
Verified Customer
I already started telling folk about how easy it is if they just make the call.
Alfonzo S. | Navy
Verified Customer
They were quick and provided exceptional customer service.
Vin S. | Army
Verified Customer
We very much enjoyed working with the Veterans United Team. Bill and his team was great to work with. Thank you Bill and Team, we appreciate you all.
James C. |
Verified Customer
Its been amazing working with them. Especially my loan officer Solibel Ramos. She’s been really helpful from day one in explaining everything. She took care of each and everything from the beginning to the end. I highly recommend working with her if you want a great deal on a home loan.
Sai Manas P. | Army
Verified Customer
Thank you to Horace and his team!! They took care of me and got me into my first home. A cute little brick in the middle of no where!
Mina G. | Air Force
Verified Customer
They Didn't Just Process a Loan—They Brought Us Home.
⭐⭐⭐⭐⭐Saying thank you to Veterans United Home Loans doesn't feel like enough. As a military family, we are used to transitions and uncertainty, but as first-time homebuyers, taking this leap felt incredibly daunting. We had no idea wh...
Michael B. | Army
Verified Customer
I never would have guessed it would be so easy to buy a home. Thank you to the entire Veterans United team
*Unless stated otherwise, data for the metro refers to the CBSA ("Core-Based Statistical Area"), the defined geography that makes up the surrounding metropolitan and micropolitan areas.
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