As 2025 comes to a close, Charlotte’s real estate market has shown both resilience and shifts that buyers and sellers need to know. From changing inventory levels to evolving home prices, understanding these trends now can give you a head start on 2026.

Charlotte Home Prices and Trends in 2025

Charlotte’s median home price in 2025 landed around $421,000, reflecting a modest 3% year-over-year increase. While the market remains competitive, certain neighborhoods saw slower growth, providing opportunities for buyers. For example:

• Ballantyne: Maintained steady demand with homes averaging $550,000.
• SouthPark: Luxury market remained resilient, but inventory increased slightly.
• University City: More affordable options, attracting first-time buyers and families.

Inventory and Days on Market: A Seasonal Perspective

Inventory levels in Charlotte rose slightly during the second half of 2025, providing more options for buyers. Homes typically sold within 30–40 days, depending on location and price point. Notably:

• Starter homes in Matthews and Mint Hill moved faster than average.
• Luxury homes in Myers Park sometimes stayed on the market 45–60 days.

These patterns suggest a market slowly balancing between buyers and sellers.

Mortgage Rates and Financing in 2025

Mortgage rates fluctuated in 2025, averaging around 6.5% for conventional 30-year loans. Buyers who acted early in the year benefited from slightly lower rates, while others leveraged negotiation strategies to offset higher borrowing costs.

Tip: With rates expected to stabilize or slightly decrease in early 2026, winter is an ideal time to start planning a purchase or listing your home.

What 2026 May Hold for Charlotte Buyers and Sellers

Looking ahead, 2026 is expected to be a balanced market, with opportunities for both buyers and sellers:

• Buyers may find more inventory and less competition than in 2025.
• Sellers in desirable neighborhoods can still expect strong demand, particularly in Ballantyne, SouthPark, and Uptown Charlotte.
• Families moving to Charlotte will benefit from top-rated schools like Ardrey Kell High School and Providence High School, which continue to influence neighborhood desirability.

FAQ: Charlotte Market Insights

Q1: Is Charlotte still a seller’s market?
A1: Charlotte is moving toward a more balanced market. While demand remains strong in popular neighborhoods, rising inventory gives buyers more options and negotiation power.

Q2: When is the best time to buy in Charlotte?
A2: Winter can be an ideal time to prepare, research neighborhoods, and make offers. Spring and early summer remain competitive, especially for move-in ready homes in Ballantyne and SouthPark.

Q3: How will interest rates impact home buying in 2026?
A3: Rates are expected to stabilize or slightly decrease, giving buyers more predictability and affordability. Planning early can help you lock in favorable terms.

Conclusion

Charlotte’s 2025 market has offered valuable insights for buyers and sellers. By understanding local trends, neighborhood dynamics, and financing options, you can position yourself for success in 2026.

Ready to make your next move in Charlotte? Our experienced agents at Stone Realty Group are here to guide you every step of the way. Whether you’re buying or selling, we’ll help you navigate the market with confidence.