Investor market data · North Carolina

Charlotte, NC Rental Market for Investors

An estimated 61% of Charlotte's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$429,000Median list price3,779 active listings

$43,364Median STR revenue / yrprojected, gross

Homes in Charlotte that pencil right now

A sample of active Charlotte listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$148,300DSCR 1.85
2 bed · 1.5 bath · 1,060 sqft
Condo in 28210 · built 1973
STR revenue
$24,754/yr
Est. interest-only payment
$893/mo
On the market 65 days · Listed by Corcoran HM Properties
Scout this home & market: 2-bed condo in Charlotte
$195,000DSCR 1.83
2 bed · 2 bath · 1,121 sqft
Condo in 28227 · built 1984
STR revenue
$32,028/yr
Est. interest-only payment
$1,166/mo
On the market 164 days · Listed by Nestlewood Realty, LLC
Scout this home & market: 2-bed condo in Charlotte
$229,900DSCR 1.46
3 bed · 1.5 bath · 1,140 sqft
Townhouse in 28215 · built 2002
STR revenue
$34,629/yr
Est. interest-only payment
$1,586/mo
On the market 8 days · Listed by K2 Real Estate Group
Scout this home & market: 3-bed townhouse in Charlotte
$255,925DSCR 1.38
2 bed · 2.5 bath · 1,227 sqft
Townhouse in 28216 · built 2026
STR revenue
$37,338/yr
Est. interest-only payment
$1,804/mo
On the market 16 days · Listed by SDH Charlottte LLC
Scout this home & market: 2-bed townhouse in Charlotte
$275,000DSCR 1.47
3 bed · 1 bath · 832 sqft
House in 28215 · built 1962
STR revenue
$34,665/yr
Est. interest-only payment
$1,574/mo
On the market 6 days · Listed by Open Exchange Brokerage LLC
Scout this home & market: 3-bed house in Charlotte
$295,000DSCR 1.42
3 bed · 2 bath · 1,424 sqft
House in 28208 · built 1962
STR revenue
$37,003/yr
Est. interest-only payment
$1,742/mo
On the market 44 days · Listed by Keller Williams Ballantyne Area
Scout this home & market: 3-bed house in Charlotte
$319,000DSCR 1.27
3 bed · 1.5 bath · 1,327 sqft
House in 28212 · built 2018
STR revenue
$36,977/yr
Est. interest-only payment
$1,947/mo
On the market 78 days · Listed by Green Olive Realty, LLC
Scout this home & market: 3-bed house in Charlotte
$360,000DSCR 1.38
3 bed · 2.5 bath · 1,498 sqft
Townhouse in 28206 · built 2022
STR revenue
$44,421/yr
Est. interest-only payment
$2,143/mo
On the market 65 days · Listed by Exp Realty Llc
Scout this home & market: 3-bed townhouse in Charlotte

Ask about Charlotte deals →Run any address yourself

As of August 2026, we analyzed 3,779 active for-sale homes in Charlotte, North Carolina. The typical listing is priced at $429,000 and is projected to generate about $43,364 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 61.3% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Charlotte #65 of 200 for cash-flow potential.

On market momentum: homes in Charlotte sit a median of 62 days on the market, and 28% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Charlotte, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Charlotte

Charlotte works for investors, but the window is specific: 1,044 of the 3,214 Charlotte homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $499,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	1 bed	2 bed	3 bed	4 bed	5 bed
$150k–$250k	52%1.26	85%1.49	95%1.71	—	—
$250k–$350k	0%0.97	35%1.17	67%1.32	84%1.51	—
$350k–$500k	0%0.77	1%0.84	15%1.06	50%1.25	83%1.61
$500k+	—	0%0.66	4%0.80	9%0.83	23%0.89

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Charlotte in full

Active for-sale homes analyzed	3,779
Median list price	$429,000
Median projected STR revenue (annual, gross)	$43,364
Median average daily rate (ADR)	$210
Median occupancy	57%
Median beds	3
Median size	1,817 sqft
Estimated cash-flow-positive share	61.3%
Median days on market	62 days
New listings (last 30 days)	27.5% of active