Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in October has weakened compared to last year with the median home price around $424,950 — down 3.1% from last year. Homes for sale in Charlotte* now spend an average of 64 days on the market, and nearly 46% sell below asking price, giving buyers more negotiating power.
Just a few of the 840,100 Veterans we've helped get into homes.
4,968 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 October 2026
Median Days on Market
64 days
Homes are staying on the market 4.92% longer than last month.
Average Listing Price
$607,892
Average home prices are down 0.28% since last month.
Active Listings
11,182 homes
Number of houses on the market are down 0.72% since last month.
Homes in the Charlotte region sell at a moderate pace.
46% of listings reduced price last month.
3,742
New listings
Down 7.2% from last month
11,182
Active listings
Down 0.7% 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
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
Aug 2026
Sep 2026
Listing Price
$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
$429,000
$424,950
Month
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
Aug 2026
Sep 2026
Active Listings
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
11,263
11,182
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 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
Aug 2026
Sep 2026
Median Days on Market
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
61
64
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 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
Aug 2026
Hotness Score
61.3712
61.204
55.6856
59.3645
66.2207
60.0334
55.5184
56.1873
57.0234
61.5385
64.214
68.5619
67.5585
64.7157
68.2274
69.0635
66.0535
63.2107
63.8796
57.8595
60.5351
57.0234
54.5151
50.5017
55.8528
55.6856
59.0301
58.3612
60.3679
53.3445
47.4916
46.3211
44.4816
43.6455
44.8161
44.4816
46.1538
45.3177
42.1405
44.3144
51.505
48.3278
42.8094
40.1338
38.2943
35.1171
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 755 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.
Justin Darr, has been wonderful and so helpful, his attention and understanding of this purchase was heart felt and he demonstrated a level of excellence and dedication to my cause. I am truly grateful that he and the team assembled gave me a chance and my mother’s dream is alive because of his an...
Keith G. | Army
Verified Customer
Thanks to Zane and Erin and all the gang. This was as easy as it gets to close in 30 days. I would definitely recommend Veterans United for all Veterans looking to get financing for their home.
Great job everyone including the customer service people who helped with moving contacts.
Grover S. | Other VA Eligibility
Verified Customer
Brandon and his entire team, as always "Go the Extra Mile" and ensure that a smile is always on our faces! Their attitude, professionalism, kindness and care certainly show through the efforts of this team! You never dropped the ball and kept in step with every timeline! There was no pressure, but I...
Tanja H. | Army
Verified Customer
Such an amazing experience from start to finish. Super transparent and worked with me every step of the way. From the questions at 9pm on a Saturday to the final closing day. Truly a fantastic experience from the entire team at Veterans United.
Charles K. | Army
Verified Customer
This is our third time working with Nate and his team. Once again, they have made the home buying process as smooth and easy as anyone has the right to expect. Clear guidance at every turn, and all questions promptly answered. This very thorough and thoughtful team makes home buying a pleasurable ex...
Kurt L. | Army
Verified Customer
The team at Veterans United is not than amazing. They worked even smile they weren't working; they were determined to get me clear to close in r0 days and they did it! I'm so pleased to have found them! Highly recommend..
Robin M. | 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
Brad Quint and Melany Neal were awesome. They were always quick to help me with any questions or concerns I had.
Trevor D. | Marine Corps
Verified Customer
Everyone was helpful and made themselves available when we had questions or concerns. It was truly a pleasure to work with Mr. Roger and Selina. Thank you again.
Anthony R. | Navy
Verified Customer
The Veteran's United Team were great to work with throughout my home buying experience. They made sure I understood each step of the process, kept reminders in front of me, so I stayed On-Task (Very Important!). The Team was professional, quick to respond to questions, and I truly felt they had my b...
Susan K. |
Verified Customer
I already started telling folk about how easy it is if they just make the call.
Alfonzo S. | Navy
Verified Customer
Kim and Jake were very easy to work with and quite professional.
Sarah D. | Army
Verified Customer
Jessie Bailey and her team made me and my wife feel totally at ease. This was our first time ever buying a house, and they showed extreme patience with our limited internet knowledge. Jessie called us just to see how we were doing ! Unheard of these days. We will tell everyone we know what a grea...
*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 $100,000 toward your new home!No purchase necessary; see official rules for details.
2026 New Home for the Holidays $100K 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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