Charlotte, NC 28210 Real Estate Market Report

ZIP Code: 28210
Report Date: February 2026
Market Temperature: NEUTRAL
Scope: Single-Family Residential (SFR) listings and comps only

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Executive Overview

As of February 2026, the median sold price in Charlotte, NC (ZIP: 28210) stands at $655,000, reflecting a robust market despite a transitional phase characterized by cooling growth. The neighborhood has increased up since 2023, indicating a resilient demand for properties. The market is currently experiencing elevated inventory levels, which may suggest a shift toward a more balanced environment for buyers and sellers alike.

Transaction activity is moderate, with properties remaining on the market for an extended period, averaging 151 days. This slower sales velocity indicates a potential pricing friction, as sellers may need to adjust their expectations in light of the current market dynamics. The median listing price is recorded at $562,000, presenting a notable gap from the median sold price, which could reflect seller optimism amidst a cooling market.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Charlotte NC average around 6.15% to 6.38%, which is notably higher than the 5.70% to 5.88% rates seen for similar loans in early 2026, indicating owners who locked in earlier secured a favorable rate.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The median sold price of $655,000 indicates strong market value despite recent cooling trends.

2. Properties are taking an average of 151 days on market, suggesting slower sales velocity and potential pricing adjustments.

3. The median listing price of $562,000 shows a significant gap compared to the sold price, indicating seller expectations may need recalibration.

4. Market temperature is currently neutral, reflecting a balanced environment between buyers and sellers.

5. Elevated interest rate pressure is noted, with current mortgage rates averaging between 6.15% and 6.38%, which may impact buyer affordability.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.