Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in February has strengthened compared to last year with the median home price around $422,516 — up from last year. Homes for sale in Charlotte* now spend an average of 72 days on the market, and nearly 26% sell below asking price, giving buyers more negotiating power.
Just a few of the 773,720 Veterans we've helped get into homes.
4,570 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 February 2026
Median Days on Market
72 days
Homes are staying on the market 16.13% longer than last month.
Average Listing Price
$585,529
Average home prices are down 2.92% since last month.
Active Listings
8,760 homes
Number of houses on the market are down 10.52% since last month.
Homes in the Charlotte region sell at a moderate pace.
26% of listings reduced price last month.
2,250
New listings
Down 27.3% from last month
8,760
Active listings
Down 10.5% 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 5.2
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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Listing Price
$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
$438,500
$438,348
$429,740
$422,516
Month
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Active Listings
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
10,131
10,190
9,789
8,760
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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Median Days on Market
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
58
59
62
72
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
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
Sep 2025
Oct 2025
Nov 2025
Dec 2025
Hotness Score
82.9431
76.9231
67.7258
50.5017
51.6722
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
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 seven of the last ten years.
More VA purchase loans than any other lender for the past 10 consecutive years
Over the last six 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.
We had a great experience and great resourceful people helping us the entire time. Shane did an outstanding job, keeping us informed at every step in the process.
Christopher B. | Army
Verified Customer
The entire team was there for us and made the process easy and were quick to respond to any and all questions m
Arthur K. | Air Force
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
Macon & Jeremy were the BEST! Their communication skills were unbelievable. They kept me updated constantly. Closing was a breeze. Yes, I would recommend them to all Veterans. Salute!
Albert B. | Air Force
Verified Customer
Chris, Jenny, MIchael, and the entire team was wonderful during my first time purchasing a home. from the random 9pm emails, to the helpful process. they took care of me and made buying a home not scary, and i felt confident the entire time.
Robert H. |
Verified Customer
From the first call from Veteran's United to the follow-up after closing, the VU team made home buying one of the easiest, least stressful experiences we have ever had. I cannot say enough good things about Stephen, Katie, Zoee and Bae. They guided us through every step and followed through to ma...
Scott 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
Everything was so easy and they explained everything and why it needed to be done. They also answered all of my questions in a timely manner.
E'nijah V. | Army
Verified Customer
Nate and his team were amazing they made every step of the process smooth and easy. If Jesus was buying a home I would recommend Nate for sure! Lol!
Latoya S. | Marine Corps
Verified Customer
I had a wonderful experience with Veterans United, the whole team are extremely helpful answering all questions and concerns down to the smallest detail. I very happy, Thank you all so much!!!! Buying my first home was a very memorable and meaningful experience.
Suzy R. | Air Force
Verified Customer
So glad to work with Veterans United. You've given us our forever-home.
Jason S. | Army
Verified Customer
Tommy and his team made refinancing our home a smooth process!
George F. | Marine Corps
Verified Customer
Buying our home has been an excellent experience. Zach, Dustin, and Meg have been supportive and very easy to work with. I highly recommend Veterans United.
*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.
We Use Cookies and Pixels
This website uses cookies, pixels, and similar tracking technologies to improve site functionality,
as well as for analytics and advertising.
By continuing, you agree to our use of cookies, pixels, and similar tracking technologies.
Learn more about our use of tracking technologies in our
privacy policy.
