$
Mortgage Calculator Pro
Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
Home/NC Mortgage Rates/Charlotte

Mortgage Rates in Charlotte, North Carolina: 2026 Guide

30-year fixed: 6.7%. Median: $385,000.

ADVERTISEMENT

Current Mortgage Rates in Charlotte

Loan TypeRateAPRMonthly*
30-Year Fixed6.7%6.780%$1,987/mo
15-Year Fixed6.18%6.250%$2,629/mo
5/1 ARM6.08%6.430%$1,862/mo
ADVERTISEMENT

Charlotte Market Insights

Charlotte is a major banking and financial center that has experienced rapid population growth. The housing market is competitive, with strong demand in neighborhoods like South End, Dilworth, and Plaza Midwood. The city’s strong job market continues to attract new residents from across the country.

FAQs

What is the average mortgage rate in Charlotte?+
The average 30-year fixed rate in Charlotte is 6.7%.
How much down payment is needed?+
On a median home of $385,000, 20% down is $77,000.
What are property taxes?+
NC rate: 0.84%. Annual taxes: $3,234.

Resources

← NC
Calculator
All States