Veterans United in
Charlotte-Concord-Gastonia, NC
in the NC, SC metro area
The Charlotte housing market in December has strengthened compared to last year with the median home price around $438,348 — up 2.1% from last year. Homes for sale in Charlotte* now spend an average of 59 days on the market, and nearly 50% sell below asking price, giving buyers more negotiating power.
Just a few of the 764,622 Veterans we've helped get into homes.
4,465 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 November 2025
Median Days on Market
59 days
Homes are staying on the market 0.86% longer than last month.
Average Listing Price
$611,338
Average home prices are up 0.38% since last month.
Active Listings
10,190 homes
Number of houses on the market are up 0.59% since last month.
Homes in the Charlotte region sell at a moderate pace.
50% of listings reduced price last month.
3,796
New listings
Down 6.2% from last month
10,190
Active listings
Up 0.6% 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
Jan 2022
Feb 2022
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
Listing Price
$394,990
$389,894
$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
Month
Jan 2022
Feb 2022
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
Active Listings
2,205
1,892
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
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
Jan 2022
Feb 2022
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
Median Days on Market
41
29
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
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
Jan 2022
Feb 2022
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
Hotness Score
83.444816
81.939799
82.943144
76.923077
67.725753
50.501672
51.672241
56.688963
55.183946
57.525084
61.371237
61.204013
55.852843
59.364548
66.220736
60.033445
55.518395
56.187291
57.023411
61.538462
64.381271
69.230769
67.558528
64.715719
68.060201
69.063545
65.886288
63.377926
63.879599
57.859532
60.535117
57.023411
53.67893
50.334448
56.020067
55.685619
59.0301
58.528428
60.367893
53.344482
47.491639
46.488294
44.481605
43.645485
44.648829
44.314381
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.
I had Veterans United a few years ago, due to moving, I have to change lenders; however, I have been waiting for the interest to change to move back to Veterans United. That is how much I think about the people who work for this company. I am so glad to be back.
Belinda J. | Army
Verified Customer
Chase, Ashlyn, Christina and the entire team made this home buying process stress free and enjoyable. The app worked flawless throughout the process, and there was never a time during the entire home buying experience that someone wasn’t in constant communication with us. I also really like how ...
Michael G. | Army
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
Veterans United has helped us with buying and selling our property and truly made the process so simple and easy for my husband and I to walk through. We are so thankful for the whole team and all of the support we were given. We definitely recommend them to anyone looking for a lender as the added ...
Andrew W. |
Verified Customer
I am officially a homeowner again, and I couldn’t be more grateful! The knowledge, guidance, and resources provided throughout the process were truly unmatched. Veterans United, Rob, and the entire team worked tirelessly to make sure veterans like me can achieve homeownership.Thank you for your de...
Chauntalle C. | Army
Verified Customer
Jody has been my loan officer through the original purchase and two refinances, and every time I can count on him and his team to get me to the finish line with my home loans. Jody, Matt and Emily made sure that I was kept informed of the process, and closed on the day they projected. I am grateful ...
Patricia N. | Army
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
As always, Shawn and the staff made this process super easy. Thus far, we have been truly blessed working with Shawn.
Robert W. | Army
Verified Customer
The pinnacle of professional. Can’t say enough good things about our team. These people truly care about the clients’ best interests in all situations! Thank you again for everything, Lily and Brittany!
Edwin L. | Marine Corps
Verified Customer
We had a great experience with Veterans United! The team worked with us to make purchasing our home quick & easy. Their app makes completing each step a breeze.
Thomas K. | Army
Verified Customer
So glad to work with Veterans United. You've given us our forever-home.
Jason S. | Army
Verified Customer
The process the company has adopted has been streamlined beautifully. The interface is incredibly user-friendly and it's very easy to find any information that may be needed.
Matthew M. | Marine Corps
Verified Customer
Clayton, Dawn and Vicki made our home buying process seamless and super easy. I cant say enough about our positive experience and excellent customer service we received with these awesome individuals and Veterans United. The customer portal / app is awesome. You will see exactly what they need from ...
*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.
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