Charlotte home values (September 2026)

The typical home in the Charlotte, NC metro is worth $381,392, -0.8% over the last 12 months. Updated monthly from Zillow Research data.

Typical value: $381,392
1-year change: -0.8%
5-year change: +20.4%
10-year change: +98%

Typical home value, Charlotte metro, last 10 years. Source: Zillow Research (ZHVI).

Where Charlotte stands

#45 most expensive of the 100 largest U.S. metros; #81 by 1-year price growth.
1.8% below its peak of $388,206 in February 2025.

Home equity in Charlotte

At an 85% combined loan-to-value cap, a typical $381,392 home supports up to $324,183 of total borrowing. With a typical mortgage still owed, about $110,604 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.

Compare nearby metros

Raleigh, NC — $428,267 (-1.7% 1-yr)
Greensboro, NC — $260,556 (+0.8% 1-yr)
Winston, NC — $277,512 (+1.7% 1-yr)
Durham, NC — $401,581 (-2.5% 1-yr)
Milwaukee, WI — $384,496 (+5.3% 1-yr)
Orlando, FL — $383,302 (-1.4% 1-yr)

Frequently asked questions

What is the typical home value in Charlotte?

The typical home in the Charlotte, NC metro area is worth about $381,392 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #45 of the 100 largest U.S. metros.

Are home prices in Charlotte going up or down?

Over the past 12 months the typical value changed -0.8% (#81 of 100 large metros by 1-year growth). Over 5 years it changed +20.4%, and over 10 years +98%. Values are 1.8% below the peak of $388,206 set in February 2025.

How much home equity could a Charlotte homeowner borrow against?

Lenders typically cap combined loan-to-value at about 85%. On a typical $381,392 home that's $324,183 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $110,604 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.

Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.