ZIP Code 28278 — Charlotte, NC Home Prices (2026)

The typical home in ZIP 28278 (Charlotte, North Carolina) is worth about $501,000 at roughly $214 per square foot — 22% more expensive than the Charlotte median and 70% more expensive than the typical U.S. home.

$501,000

Typical home value

$214

Price per sq ft

#10 of 23

Charlotte ZIPs by value

+22%

vs Charlotte median

How 28278 compares

ZIP 28278 is a mid-priced ZIP code for Charlotte: its typical home value of $501,000 ranks #10 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 $214, against $277 for Charlotte as a whole, $202 for North Carolina, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 28278	$501,000	$214
Charlotte, NC	$412,000	$277
North Carolina	$290,000	$202
United States	$294,000	$195

Home value by size in 28278

Using this ZIP’s rate of about $214 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	$214,000
1,500 sq ft	$321,000
2,000 sq ft	$428,000
2,500 sq ft	$535,000
3,000 sq ft	$642,000

Salary needed to buy a home in ZIP 28278

To buy the typical $501,000 home in ZIP 28278 with 20% down, you need a household income of roughly $136,000 a year (about $3,180 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $162,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$25,100	$3,950/mo	$169,000/yr
10% (+PMI)	$50,100	$3,780/mo	$162,000/yr
20%	$100,200	$3,180/mo	$136,000/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 28278

At about $214 per square foot, here is roughly how much home different budgets get you in ZIP 28278:

Budget	Approx. size	What that looks like locally
$250k	1170 sq ft	below the local median — condos, smaller or older homes
$300k	1400 sq ft	below the local median — condos, smaller or older homes
$400k	1870 sq ft	below the local median — condos, smaller or older homes
$500k	2340 sq ft	around the typical home here
$600k	2800 sq ft	around the typical home here

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 28278 home.

Estimate a specific home in 28278

The estimator below is pre-set to ZIP 28278 — 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 28278 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	$677,000	$374
7	28277	$614,000	$267
8	28204	$581,000	$359
9	28210	$571,000	$284
10	28278 (this page)	$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 28278 home prices: frequently asked

What is the average home price in ZIP code 28278? +

The typical home in ZIP 28278 (Charlotte, NC) is worth about $501,000 as of 2026. That is 22% more expensive than the Charlotte median of $412,000 and 70% more expensive than the U.S. median of $294,000.

What is the price per square foot in 28278? +

About $214 per square foot in 28278, versus $277 across Charlotte and $202 across North Carolina. At that rate a 1,500 sq ft home runs roughly $321,000 and a 2,500 sq ft home about $535,000.

What salary do you need to buy a house in ZIP 28278? +

For the typical $501,000 home in ZIP 28278, a household income of about $136,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $162,000; with 5% down about $169,000.

Is 28278 an expensive ZIP code? +

Within Charlotte, 28278 ranks #10 of 23 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Charlotte. Nationally it is relatively expensive.

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.