Publish Date: August 11, 2025
Author: Matt Stone
The Charlotte housing market in Q3 2025 is showing signs of a shift — one that both buyers and sellers need to understand if they want to make the most of the current conditions.
After several years of intense competition, low inventory, and soaring prices, we’re seeing a return to a more balanced market. Supply and demand are moving toward equilibrium, giving buyers breathing room and forcing sellers — especially homebuilders — to get creative.
The Market is Rebalancing
For much of the past decade, Charlotte’s market has heavily favored sellers. This quarter, that’s changing.
Buyers have more options and more time to make decisions.
Sellers are adjusting to longer days on market and increased buyer negotiation power.
However, this balance is not uniform across the city. Certain areas remain fiercely competitive, while others present opportunities for deals.
Builders Are Leading With Incentives
One of the biggest stories this quarter is how Charlotte’s homebuilders are responding to shifting conditions. Companies like Mattamy Homes, Meritage Homes, DR Horton, and Ryan Homes are actively offering:
Paid closing costs
Upgraded finishes and premium options
Interest rate buy-downs
Direct agent incentives that benefit buyers working with Stone Realty Group
These offers aren’t random — they’re strategic moves to sell inventory as the summer buying season winds down. Builders don’t want to carry large numbers of unsold homes into the slower winter months, and that urgency creates opportunities for savvy buyers.
At Stone Realty Group, we track these builder incentives in real time, giving our clients early, insider access to deals that aren’t always advertised publicly.
Where the Market is Still Hot
While balance is returning overall, some Charlotte neighborhoods continue to see multiple offers and intense demand:
Ardrey Kell school district communities
Popular parts of Ballantyne and Waxhaw
Select areas of Huntersville
In-town neighborhoods near Uptown Charlotte
In these areas, the demand-supply imbalance has persisted for years, and buyers still need to be prepared to make competitive offers quickly.
Where We’re Seeing Weakness
Not all market segments are thriving equally:
Three-story townhomes built in large numbers over the last decade are becoming harder to sell. Many families with young children and retirees avoid multi-level layouts with multiple flights of stairs.
High-rise condos are facing financing challenges. Fannie Mae and Freddie Mac approvals can be an issue, and HOA litigation or deferred maintenance can further restrict loan availability. As a result, these properties often require cash buyers or face longer marketing times.
What This Means for Buyers
This is one of the most nuanced markets Charlotte has seen in years.
In some neighborhoods, aggressive, full-price offers are still needed.
In others, there’s room for discounts, incentives, and creative deal-making.
The key difference? Having a trusted real estate advisor who can read the market block-by-block, builder-by-builder. That’s where our decades of local experience at Stone Realty Group give our clients a measurable advantage.
What This Means for Sellers
If you’re selling in one of Charlotte’s most desirable neighborhoods, you can still expect strong activity — but pricing strategy is critical. In other areas, sellers need to stand out with presentation, pricing, and flexibility to meet the current buyer mindset.
The Bottom Line
The Charlotte market in Q3 2025 is a tale of two markets — one still highly competitive, and one rich with opportunity. Whether you’re buying or selling, navigating it successfully requires local expertise, deep builder connections, and a strategic approach.
Stone Realty Group delivers exactly that — real-time insight, negotiation skill, and a commitment to making sure our clients not only keep pace with the market but stay a step ahead.
Frequently Asked Questions
1. Is Charlotte’s housing market still competitive in Q3 2025?
Yes, certain neighborhoods like Ballantyne, Waxhaw, and Ardrey Kell school district areas still see multiple offers. However, other areas are more balanced, giving buyers more negotiation power.
2. Are homebuilders offering better deals right now?
Yes. Many builders in Charlotte are offering closing cost assistance, upgrades, and interest rate buy-downs to move inventory before winter.
3. Should I wait until next year to buy in Charlotte?
Not necessarily. With builder incentives, more inventory, and lower competition in some segments, buyers can find great opportunities right now.
Ready to Navigate Charlotte’s Q3 Market With an Edge?
Whether you’re hunting for a builder incentive before it expires, competing for a home in a hot neighborhood, or deciding if now is the right time to sell, the right guidance can make all the difference.
Stone Realty Group’s decades of local expertise and deep builder relationships give our clients early access to deals, real-time market insights, and negotiation strategies that work.
📞 Call us today at 704.755.5095
📧 Email us at hello@mattstoneteam.com