Charlotte, N.C. Market trends as of October 2025

As a real estate agent, I have access to data, market updates, and more through the MLS and other sources. However, I like to pull data from other sources and compare them to get an idea of which markets are doing well.

Here is my opinion on the Charlotte, N.C., Market Overview.

Charlotte’s housing market is showing signs of moderation after the intense, rapid‐growth phase. According to recent data:

• The median sale price in September 2025 was about $415,000, up ~2.5 % year‐over‐year. Redfin+2Axios+2

• The average home value is around $395,500, representing a slight decline (~1.5 %) over the past year based on one data set. Zillow+1

• Days on market are increasing: homes are selling after ~54–60 days on average. Redfin+2Realtor+2

• Inventory is rising: active listings are up significantly compared to a year ago, giving buyers more choices. Finigan Group+2Henderson Properties+2

• The broader region’s house-price index (for the Charlotte‐Concord‐Gastonia MSA) rose from ~404.3 in Q1 2025 to ~410.0 in Q2 2025. FRED

What’s driving the trends

• Migration and job growth continue to fuel demand. Charlotte remains attractive for people relocating and companies expanding. Axios+2Pridemore Properties+2

• However, higher mortgage rates and affordability constraints are cooling buyer urgency relative to the frenzy years of 2020-2022. Mecklenburg Times+1

• With inventory increasing, buyers have somewhat more negotiating power—though the market hasn’t swung fully in their favor yet. Henderson Properties+1

Implications for Buyers, Sellers & Investors

• Buyers: More options than during the peak-boom phase. Still worthwhile to act promptly for well-priced homes, especially in desirable neighborhoods. You may find fewer bidding wars and more opportunities to ask for concessions.

• Sellers: While prices haven’t fallen significantly, you may face a slightly longer listing time and may need to price more competitively or offer incentives.

• Investors: With moderate price growth and increasing inventory, opportunities exist—but location, condition, and market timing still matter. Note that some investor demand is reported in Charlotte. Axios+1

Outlook
Analysts project modest price appreciation ahead for Charlotte—perhaps in the 2–4 % range over the next year—assuming interest rates don’t drop dramatically and economic fundamentals stay stable. RealWealth+1

Given the market is shifting toward greater balance (somewhat between “seller’s market” and “buyer’s market”), the coming months may favor buyers more than in recent years, especially for homes that are well‐priced and in good condition.

After reviewing this data, would you buy? I think deals are always hard to find. ALWAYS. So, as we are somewhat closer to an actual buyer's Market, now could be a good time to buy. However, this is only if you feel financially ready. Don’t feel rushed to purchase. Take your time and run your numbers.

As always, I am not an analyst. This is all my opinion based on the data that I have found. Please use your own judgment when purchasing real estate.

Happy Investing!

XOXO,

Steph