Market Intelligence · NC / Charlotte

Charlotte, NC 28278 Housing Market

The typical home value in Charlotte, NC 28278 is $496,377, down 1.0% over the past year as of September 2026. The median list price stands at $561,250, and homes are spending a median of 65 days on the market. Sellers here should plan for a slower pace than a year ago.

Updated September 2026Median value$496K

The median home value in Charlotte, NC 28278 is $496K as of September 2026, down 1.0% year over year, according to Zillow ZHVI. For a read on your own home, start with a free consultation: a licensed local pro will walk you through your numbers and your options, with no obligation.

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Typical 28278 range

$457K to $536K

This is an automated estimate, not an appraisal. Actual value is determined by current market conditions and professional evaluation. It is provided for informational purposes only and is not an offer to buy or a promise of value.

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12-month value trend

-1.0% over 12 months

Sep 2025$501K

Low $496KHigh $501K

Sep 2026$496K

The numbers

What is the 28278 housing market like?

As of September 2026

Typical home value

$496K

1.0%YoY

Median list price

$561K

1.2%MoM

Days on market

6.6%MoM

Homes for sale

212

2.8%MoM

Price cuts

26.7%

8.1%MoM

New listings

3.3%MoM

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026) / FRED (October 2026)

The outlook

28278 housing market forecast 2027

-0.3%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 28278 to stay roughly flat by September 2027 (down 0.3%).

Over the 12 months through September 2026, typical home values in 28278 fell 1.0%, per the Zillow Home Value Index.

Will home prices drop in 28278?

Zillow's forecast does not point to a meaningful drop: it expects typical home values in 28278 to stay roughly flat by September 2027 (down 0.3%), after a 1.0% decline over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

Forecast: Zillow Home Value Forecast, published October 2026. A forecast, not a guarantee.

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The comparison

How do 28278 home prices compare?

28278$496,377
Charlotte$392,633
North Carolina$284,347
United States$285,347

Median Zillow home value (ZHVI), as of September 2026. Comparison levels are medians across every ZIP code with Zillow data (Charlotte: 24 ZIPs; North Carolina: 718 ZIPs; United States: 26,262 ZIPs).

Context

There were 212 homes for sale in the 28278 ZIP code as of September 2026, with 58 new listings added. The median list price is $561,250, while the typical home value sits lower at $496,377, down 1.0% over the past year. Homes are taking a median of 65 days to go under contract, and 26.7% of listings have had a price cut. Buyers have room to negotiate, and sellers who price above the market are likely to wait longer. For anyone thinking about selling, realistic pricing from day one matters more than testing the market high.

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Common questions

What people ask us.

How much is a home in 28278 worth?

The typical home value in Charlotte, NC 28278 is $496,377 as of September 2026, down 1.0% over the past year.

How long do homes take to sell in 28278?

Homes in 28278 are spending a median of 65 days on the market as of September 2026.

How competitive is the 28278 housing market?

There were 212 homes for sale with 58 new listings as of September 2026, and 26.7% of listings had a price cut, which suggests buyers have some negotiating room.

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