ZIP Code 28209 — Charlotte, NC Home Prices (2026)
The typical home in ZIP 28209 (Charlotte, North Carolina) is worth about $677,000 at roughly $374 per square foot — 64% more expensive than the Charlotte median and 130% more expensive than the typical U.S. home.
How 28209 compares
ZIP 28209 is one of the pricier ZIP codes in Charlotte: its typical home value of $677,000 ranks #6 of the 23 Charlotte ZIP codes we track (the citywide range runs from $300,000 in 28208 to $1,653,000 in 28207). Per square foot it costs about $374, against $277 for Charlotte as a whole, $202 for North Carolina, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 28209 | $677,000 | $374 |
| Charlotte, NC | $412,000 | $277 |
| North Carolina | $290,000 | $202 |
| United States | $294,000 | $195 |
Home value by size in 28209
Using this ZIP’s rate of about $374 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $374,000 |
| 1,500 sq ft | $561,000 |
| 2,000 sq ft | $748,000 |
| 2,500 sq ft | $935,000 |
| 3,000 sq ft | $1,122,000 |
Salary needed to buy a home in ZIP 28209
To buy the typical $677,000 home in ZIP 28209 with 20% down, you need a household income of roughly $184,000 a year (about $4,300 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $219,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $33,900 | $5,340/mo | $229,000/yr |
| 10% (+PMI) | $67,700 | $5,110/mo | $219,000/yr |
| 20% | $135,400 | $4,300/mo | $184,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 28209
At about $374 per square foot, here is roughly how much home different budgets get you in ZIP 28209:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 1070 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1340 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1600 sq ft | around the typical home here |
| $750k | 2010 sq ft | around the typical home here |
| $1.00M | 2670 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 28209 home.
Estimate a specific home in 28209
The estimator below is pre-set to ZIP 28209 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Charlotte ZIP codes by home value
Where 28209 sits among Charlotte’s 23 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 28207 | $1,653,000 | $501 |
| 2 | 28211 | $931,000 | $399 |
| 3 | 28270 | $685,000 | $286 |
| 4 | 28203 | $682,000 | $446 |
| 5 | 28226 | $680,000 | $277 |
| 6 | 28209 (this page) | $677,000 | $374 |
| 7 | 28277 | $614,000 | $267 |
| 8 | 28204 | $581,000 | $359 |
| 9 | 28210 | $571,000 | $284 |
| 10 | 28278 | $501,000 | $214 |
| 11 | 28205 | $464,000 | $358 |
| 12 | 28202 | $412,000 | $393 |
| 13 | 28273 | $370,000 | $200 |
| 14 | 28269 | $358,000 | $195 |
| 15 | 28215 | $351,000 | $208 |
| 16 | 28262 | $344,000 | $198 |
| 17 | 28214 | $338,000 | $201 |
| 18 | 28206 | $327,000 | $277 |
| 19 | 28213 | $327,000 | $188 |
| 20 | 28217 | $327,000 | $244 |
| 21 | 28212 | $322,000 | $202 |
| 22 | 28216 | $321,000 | $211 |
| 23 | 28208 | $300,000 | $281 |
ZIP 28209 home prices: frequently asked
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See the full Charlotte home values page, all North Carolina cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.