Area data
Charlotte, NC — ZIP 28278
Population: 37,420 (Census ACS)
The median home value in ZIP 28278 (Charlotte, NC) is $501,461 — down 1.0% over the past year. Homes sell for a median $575,000 after a median 57 days on market. Typical rent runs $1,856/month. 5 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with hail, icestorm, inlandflooding the top-rated hazards. Cost of living is 7.5% below the US average (BEA, metro/state-level).
$501,461
Median home value
-1.0%
1-year change
57
Median days on market
Relatively High
Hazard risk (county)
Home values & appreciation
- Median home value
- $501,461
- 1-year appreciation
- -1.0%
- 3-year appreciation
- +3.4%
- 5-year appreciation
- +24.2%
- 10-year appreciation
- +84.4%
- All-time peak (2024-11)
- $509,886
- House Price Index (state)
- 438.2 (+1.0% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $575,000
- Median list price
- $599,900
- Median price per sqft
- $203
- 1-year sale-price change
- +9.3%
- Median days on market
- 57 days
- Homes sold (recent period)
- 177
- For-sale inventory
- 291
- Sale-to-list ratio
- 98.4%
- Active listings
- 220
- 1-year forecast
- +0.4%
- Days to pending
- 52 days
- New listings (monthly)
- 78
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,856/mo
- 1-year rent change
- +0.4%
- Studio fair-market rent
- $1,810/mo
- 1BR fair-market rent
- $1,900/mo
- 2BR fair-market rent
- $2,080/mo
- 3BR fair-market rent
- $2,560/mo
- 4BR fair-market rent
- $3,250/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Below Average)
- 92.5 (100 = US avg)
- Electricity rate (state-level)
- 14.0¢/kWh
- Natural gas rate (state-level)
- $16.40/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 5
- Elementary schools
- 5
- Middle schools
- 0
- High schools
- 0
- Charter schools
- 1
- School districts serving the area
- Southwest Charlotte STEM Academy, Charlotte-Mecklenburg Schools
- Schools include
- Southwest Charlotte STEM Academy, Berryhill School, Winget Park Elementary, Berewick Elementary, Palisades Park Elementary
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively High
- Top hazards (county)
- hail, iceStorm, inlandFlooding, lightning, strongWind
- Notable hazard ratings (county)
- coldWave: Relatively Moderate · earthquake: Relatively Moderate · hail: Relatively High · heatWave: Relatively Moderate · hurricane: Relatively Moderate · iceStorm: Relatively High
- FEMA flood zone
- AE
- Flood risk level
- High
- Wildfire risk to homes (county)
- Higher than 34% of US counties
- Buildings in wildfire direct-exposure zone
- 40.9%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- North Belmont PCE (10 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 62.0°F
- Average high
- 73.0°F
- Average low
- 50.0°F
- Annual precipitation
- 43.7 in
- USDA plant hardiness zone
- 8a (extreme annual low 10 to 15°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Air quality
- Air quality rating
- Moderate
- Median AQI (annual)
- 51
- Days with Good air quality
- 174
- Days with Moderate air quality
- 185
- Highest AQI recorded (year)
- 150
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 4.3 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 50,675
- Jobs reachable by transit (45 min)
- 34,710
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 3
- Nearest national park
- Overmountain Victory National Historic Trail (21 mi)
- National parks include
- Overmountain Victory National Historic Trail, Kings Mountain National Military Park, Cowpens National Battlefield
- Airports within 30 mi
- 22
- Nearest airport
- Charlotte Douglas International Airport (CLT) (7 mi)
- Nearest major airport
- Charlotte Douglas International Airport (CLT) (7 mi)
- Hospitals nearby (~15 mi)
- 6
- Hospitals include
- CAROMONT REGIONAL MEDICAL CENTER, ATRIUM HEALTH PINEVILLE, CAROLINAS MEDICAL CENTER/BEHAV HEALTH
- Avg hospital rating (CMS)
- 3.4 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Good (4.5 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +2,576 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 2,009
- Housing built before 1970
- 2.6%
- Housing built 2000 or later
- 79.6%
- Median annual property tax
- $3,215
- Mean commute to work
- 20 min
- Households with broadband internet
- 89.0%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 702,912
- Average weekly wage
- $1,647
- Top industries (by employment)
- Finance & Insurance, Professional Services, Accommodation & Food
- Annual residential building permits (county)
- 6,496
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 28278 | State median | US median | |
|---|---|---|---|
| Median home value | $501,461 | $287,250 | $289,727 |
| Median sale price | $575,000 | $330,000 | $325,000 |
| Median days on market | 57 days | 70 days | 51 days |
| Typical rent | $1,856/mo | $1,686/mo | $1,808/mo |
| Median annual property tax | $3,215 | $1,366 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 28278?
- $501,461.
- What is the median sale price in ZIP 28278?
- $575,000.
- How long do homes take to sell in ZIP 28278?
- Median days on market: 57 days.
- What is typical rent in ZIP 28278?
- Typical rent: $1,856/month.
- What is the natural-hazard risk in ZIP 28278?
- Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: hail, iceStorm, inlandFlooding, lightning, strongWind.
- Is ZIP 28278 in a flood zone?
- High (FEMA NFIP). FEMA flood zone AE.
- What is the wildfire risk in ZIP 28278?
- Risk to homes is higher than 34% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 28278?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 28278?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 28278?
- 5 schools (5 elementary) (NCES, 2022-23).
- Is ZIP 28278 walkable?
- Walkability index: 4.3/20 (EPA Smart Location Database).
- What is the air quality in ZIP 28278?
- Moderate. Median AQI: 51. (EPA AQI).
- What is the cost of living in ZIP 28278?
- Regional Price Parity: 92.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →