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Charlotte city, NC

ZIP 28212 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28212

Median Home Value
$236,300
Median Rent
$1,116
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,518/mo PITI).

26%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

17.6 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 28212 in Charlotte city, NC, a household would need roughly $65,000 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 $1,518. That is about 26% above the local median household income ($51,530), so the median earner would likely stretch or need a larger down payment. 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
37.0%-43% vs US avg
x
Vacancy Rate
8.0%-23% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
26.2%-31% vs US avg
x
$236,300
Home Value
$1,116
Rent
1980
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 detached40.1%
  • 1-unit attached6.5%
  • 2-9 units19.4%
  • 10+ units33.4%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$236,300
Median rent$1,116
Owner-occupied37.0%
Vacant8.0%
Price-to-income4.6x
Est. income to buy$65,000