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 October 2026.

See what pencils →Run a DSCR

$419,900Median list price3,933 active listings

$43,694Median 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 October 2026.

$148,300DSCR 1.82
2 bed · 1.5 bath · 1,060 sqft
Condo in 28210 · built 1973
STR revenue
$24,754/yr
Est. interest-only payment
$905/mo
On the market 114 days · Listed by Corcoran HM Properties
Scout this home & market: 2-bed condo in Charlotte
$185,000DSCR 1.73
2 bed · 2 bath · 1,236 sqft
Condo in 28212 · built 1986
STR revenue
$34,211/yr
Est. interest-only payment
$1,319/mo
On the market 52 days · Listed by Redfin Corporation
Scout this home & market: 2-bed condo in Charlotte
$284,900DSCR 1.47
3 bed · 2.5 bath · 1,529 sqft
Townhouse in 28214 · built 2008
STR revenue
$44,152/yr
Est. interest-only payment
$2,005/mo
On the market 158 days · Listed by Realty Point
Scout this home & market: 3-bed townhouse in Charlotte
$315,000DSCR 1.44
3 bed · 2 bath · 1,273 sqft
House in 28273 · built 1998
STR revenue
$41,868/yr
Est. interest-only payment
$1,935/mo
On the market 51 days · Listed by Keller Williams Ballantyne Area
Scout this home & market: 3-bed house in Charlotte
$337,000DSCR 1.28
3 bed · 2 bath · 1,716 sqft
House in 28269 · built 1989
STR revenue
$38,160/yr
Est. interest-only payment
$1,990/mo
On the market 235 days · Listed by Liahona Realty
Scout this home & market: 3-bed house in Charlotte

Ask about Charlotte deals →Run any address yourself

As of October 2026, we analyzed 3,933 active for-sale homes in Charlotte, North Carolina. The typical listing is priced at $419,900 and is projected to generate about $43,694 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 61.2% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Charlotte #62 of 200 for cash-flow potential.

On market momentum: homes in Charlotte sit a median of 65 days on the market, and 26% 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: 1,097 of the 3,395 Charlotte homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $470,000.

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	50%1.25	82%1.48	96%1.65	—	—
$250k–$350k	1%1.00	30%1.14	63%1.31	80%1.54	—
$350k–$500k	0%0.83	1%0.85	18%1.06	48%1.24	86%1.51
$500k+	—	0%0.65	4%0.78	9%0.80	16%0.79

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	3,933
Median list price	$419,900
Median projected STR revenue (annual, gross)	$43,694
Median average daily rate (ADR)	$211
Median occupancy	57%
Median beds	3
Median size	1,819 sqft
Estimated cash-flow-positive share	61.2%
Median days on market	65 days
New listings (last 30 days)	25.9% of active