Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in July has weakened compared to last year with the median home price around $440,000 — down 3.2% from last year. Homes for sale in Charlotte* now spend an average of 51 days on the market, and nearly 46% sell below asking price, giving buyers more negotiating power.
Just a few of the 817,410 Veterans we've helped get into homes.
4,852 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 July 2026
Median Days on Market
51 days
Homes are staying on the market 8.51% longer than last month.
Average Listing Price
$633,334
Average home prices are up 0.27% since last month.
Active Listings
10,952 homes
Number of houses on the market are up 5.56% since last month.
Homes in the Charlotte region sell at a moderate pace.
46% of listings reduced price last month.
4,676
New listings
Down 6.6% from last month
10,952
Active listings
Up 5.6% 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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Listing Price
$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
$438,500
$438,348
$429,740
$422,516
$415,000
$415,000
$424,950
$429,950
$439,000
$440,000
Month
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Active Listings
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
10,131
10,190
9,789
8,760
8,202
8,285
9,043
9,740
10,375
10,952
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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Median Days on Market
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
58
59
62
72
78
69
49
45
47
51
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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Jan 2026
Feb 2026
Mar 2026
Apr 2026
May 2026
Jun 2026
Hotness Score
56.689
55.1839
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
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.
They once again did a great job.This is the second time I’ve used them!
Timothy J. | Army
Verified Customer
Daren Bodine and his team were excellent. Minimal stress for purchasing a home.
Christopher W. | Navy
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
Very smooth and quick process. My 3rd VA loan and was the easiest yet.
Jon E. | Army
Verified Customer
Working with Veterans United was hands down one of the best experiences we’ve had throughout the home-buying process. From start to finish, the entire team made what could have been a stressful experience feel smooth, organized, and genuinely exciting.A special shoutout to Derek Harmon—he was ab...
Kylee C. | Marine Corps
Verified Customer
Everyone I dealt with was very professional and answered all my questions in a timely manner.
Lincoln T. | Marine Corps
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
This has been an amazing experience! My wife and I’s team (Arlo, John and Nicole), made this process as stress free as possible. They were all quick to respond, happy to help and clear with what they needed from us. I never imagined buying a home would be this “easy”. They made the home buying...
Isaac W. | Army
Verified Customer
Willing to accept data I could obtain. Made changes as needed without too many hoops.
Respectful - I used this lender before and it was easy to be loyal and use them again!
Daniel B. | Other VA Eligibility
Verified Customer
David and his team were awesome to work with very attentive and responsive to all of our needs throughout this experience very friendly and professional!
Jaimerson A. | Marine Corps
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
Got in contact with them to see my buying power. Could not make up my mind in the beginning, but once I got serious Jake and team we ready to go.
Daniel R. | Navy
Verified Customer
Devon saved the day when NFCU completely dropped the ball. I would have lost the cabin as financing would not have been acquired in time if I stayed with NfCU. So glad I jumped ship…pun intended
*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.
Enter to win $75,000 toward your new home!No purchase necessary; see official rules for details.
2026 Home Field Advantage $75K Veteran Homebuyer Giveaway
1. realtor.com is hosting and helping to administer and promote the sweepstakes.
2. NMLS #1907 (nmlsconsumeraccess.org). Not affiliated with Dept. of Veterans Affairs or any government agency.
3. May be subject to tax withholding. See Official Rules for details.
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