Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in October has strengthened compared to last year with the median home price around $439,999 — up 1.2% from last year. Homes for sale in Charlotte* now spend an average of 57 days on the market, and nearly 50% sell below asking price, giving buyers more negotiating power.
Just a few of the 738,955 Veterans we've helped get into homes.
4,388 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 September 2025
Median Days on Market
57 days
Homes are staying on the market 8.57% longer than last month.
Average Listing Price
$606,150
Average home prices are down 1.8% since last month.
Active Listings
9,748 homes
Number of houses on the market are up 1.25% since last month.
Homes in the Charlotte region sell at a moderate pace.
50% of listings reduced price last month.
4,020
New listings
Down 10.1% from last month
9,748
Active listings
Up 1.3% 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
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
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
Listing Price
$395,495
$388,074
$394,990
$389,894
$399,950
$410,000
$430,000
$441,850
$429,900
$425,000
$419,950
$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
Month
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
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
Active Listings
3,122
2,648
2,205
1,892
1,987
2,201
2,940
3,708
5,025
5,397
5,439
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
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
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
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
Median Days on Market
34
40
41
29
19
19
21
27
31
36
43
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
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
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
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
Hotness Score
85.618729
87.458194
83.444816
81.939799
82.943144
76.923077
67.725753
50.501672
51.672241
56.688963
55.183946
57.525084
61.371237
61.204013
55.852843
59.364548
66.220736
60.033445
55.518395
56.187291
57.023411
61.538462
64.381271
69.230769
67.558528
64.715719
68.060201
69.063545
65.886288
63.377926
63.879599
57.859532
60.535117
57.023411
53.67893
50.167224
56.020067
55.685619
59.0301
58.528428
60.367893
53.344482
47.491639
46.488294
44.481605
43.645485
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 six of the last nine years.
More VA purchase loans than any other lender for the past nine consecutive years
Over the last five years, Veterans United made more VA purchase loans than USAA, Navy Federal Credit Union, Rocket Mortgage, Wells Fargo and Freedom Mortgage combined.
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.
Shane is knowledgable, professional and very understanding. His team did a great job with communication throughout the entire process.
Stanley M. | Army
Verified Customer
The communication I received from Veterans United Home Loans was exceptional. From the initial submission of my application to the final closing, they consistently provided me with timely updates and clear explanations. They set transparent expectations and honored every promise, which greatly eased...
Shirley N. | Army
Verified Customer
Working with Brice at Veterans United was an absolute blessing. As a first-time homebuyer navigating this journey on my own after divorce, I was honestly nervous about the process—but Brice made everything feel manageable and even exciting. He was incredibly kind, knowledgeable, patient, and truly...
Jessica W. | Army
Verified Customer
Using veterans united was a great decision the process was so easy and they are very good at building and maintaining your confidence through the process so that you can stress about everything else you have going on and not your future home.
Andrew C. | Marine Corps
Verified Customer
Josh, Sarah and Emily are the best. They guided us through the process from start to finish. Everything was smooth. Very professional, courteous and explained everything. Would highly recommend all three. Thanks Veterans United for our wonderful home buying journey with you.
Kelvin H. | Marine Corps
Verified Customer
Always there when you need them and very quick responses answering all the questions I had. The team works very well together. I would highly recommend veterans united to anyone looking to buy.
Broden M. | Air Force
Verified Customer
The entire team from VU, Tyler Dunn, Jens Foreman, Vickie Bell and of course the true professional that made this whole process as painless as she could possibly make it, our real estate agent Lora Rousseau who found our perfect home for us! We owe a debt of gratitude to this amazing team of profess...
Gregory L. | Other VA Eligibility
Verified Customer
When dealing with a completely irrational seller, Josh and his team pushed through every obstacle to get me my dream house and I am so grateful!
Katie B. | Army
Verified Customer
The whole team was very helpful! Answered questions in a timely manner, always courteous, and kept us updated throughout the process! I would recommend them to anyone looking to buy a home!
Terry W. | Army
Verified Customer
Very professional and constantly in communication! The team I worked with were so sweet and helped my husband and I close on our home smoothly just in perfect time for our baby boy to arrive! Any questions I had, they answered right away. Thank you all again!
Britney W. | Army
Verified Customer
So glad to work with Veterans United. You've given us our forever-home.
Jason S. | Army
Verified Customer
Mal is a good dude, never met him but I consider him a friend.
Anthony P. | Army
Verified Customer
An easy and smooth process, could not have been happier with the level of service received!
*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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