If you're house hunting in Charlotte with a budget between $300,000 and $350,000, you’re not alone  and you’ve still got solid options, despite rising prices across the metro. I'm Maureen Mahood, broker-owner of SellYourHomeCharlotte.com, and I’ve helped hundreds of buyers and sellers navigate this market since 2015. This guide shows you exactly where to look if you want value, location, and long-term upside in this price range.

Whether you're a first-time buyer, downsizer, or investor, let’s break down where you're most likely to land a move-in-ready single-family home — and what tradeoffs to expect.

Where Are the $300K–$350K Homes in Charlotte?

Charlotte’s most active pockets for homes in this range right now include:

East Charlotte (28215, 28212, 28227)

• Neighborhoods: Kingstree, Bradfield Farms, Shannon Park, Milton Park, Turtle Rock
• What to Expect: 3–4 bedrooms, 1,200–1,700 sq ft homes built from the ‘80s to 2010s
• Why It Works: Proximity to I-485, parks, and neighborhood shopping centers. More inventory than other areas.

North Charlotte (28216, 28269, 28262)

• Neighborhoods: Highland Creek, Back Creek, Oakdale Green, Mallard Lake, Robyns Glen
• What to Expect: Mix of one- and two-story homes, newer builds, and HOA communities
• Insider Tip: North Charlotte often offers larger square footage for the price

West Charlotte (28208, 28214, 28217)

• Neighborhoods: Westerly Hills, Rollingwood, Wilson Glen, Graham Heights
• What to Expect: Some renovated mid-century homes, newer starter homes, and potential investment flips
• Why It’s Worth Watching: Close to the airport, planned light rail, and revitalization efforts

Southwest/Southeast Charlotte

• Harder to find homes in this range, but you might score one in Olde Whitehall, Ivystone, or Planters Walk if you move quickly

What You Won’t Find (Easily)

• New construction under $350K inside 485? Nearly gone.
• Homes in SouthPark, Dilworth, or Plaza Midwood? Not likely in this budget unless you're buying land or a major fixer.

Pro Tip: Inventory Moves Fast

In this price range, homes often go under contract in less than 7 days. Working with a full-time agent (like me!) who knows how to position your offer is crucial — especially if you need help with FHA or VA financing or want closing cost assistance.

Tools to Help You Shop Smart:

• Home Value Tool – For sellers wondering if now’s the time to trade up
• Neighborhood Quiz – Not sure where to start? I’ll help you figure out the best fit
• Monthly Market Reports – Stay updated on what’s selling and where

FAQs

Can I get a single-family home under $350K in Charlotte?

Yes — mostly in East, North, and West Charlotte ZIP codes.

Are homes in this range move-in ready?

Many are, though some may need light updates or cosmetic work.

Can I still use FHA or VA loans in this range?

Absolutely — many homes qualify, especially in neighborhoods like Kingstree or Bradfield Farms.

What’s the average size of these homes?

Typically between 1,100 and 1,700 square feet.

What if I want a garage and a yard?

You’ll likely find both — especially in homes built after 1995.

Is this a good price range for investment?

Yes, especially in revitalizing areas like Westerly Hills or Hidden Valley.

How fast do homes sell in this range?

Most go under contract in 5–10 days — some in just 2–3.

Can I buy new construction in this budget?

Not easily inside the I-485 loop — but some options exist in outer areas.

How much should I budget for closing costs?

Roughly 2–4% of the purchase price. Some sellers may offer concessions.

Should I wait for prices to drop?

That’s risky — interest rates and inventory matter more than price alone.

Final Thought

There are still homes in Charlotte under $350K — but blink and you’ll miss them. Want the newest listings sent straight to your inbox or text? Let’s talk. I’m here to help you win in this market, not just compete.

Set up your home search with Maureen »