About

Life in Charlotte

If you're considering a move to Charlotte, forget the sports teams and NASCAR museums—those are nice bonuses, but what actually matters is whether this rapidly growing city works for your wallet and your lifestyle. Charlotte has been one of the fastest-growing major cities in the U.S. throughout the 2020s, which means job opportunities are real, especially in finance; the city is the nation's second-largest banking center, home to Bank of America, Wells Fargo, and Truist Financial headquarters. The job market is strong with unemployment at 4.0%, and a median household income of $82,068 gives you a decent sense of earning potential, though cost of living has climbed as the city boomed—expect a median home price around $385,700 and rent averaging $1,612 monthly, which is reasonable for a major metro but noticeably higher than it was a decade ago.

Charlotte at a Glance

Population, income, housing and more

Median Age

34.5 yrs

Poverty Rate

11.7%

Foreign-Born

18.7%

Broadband Internet

93.6%

of households

Population Growth

+10.3%

recent change · Census Bureau

Median household income

Charlotte$82,068
North Carolina avg$72,388
US$80,734

Demographics18.7% foreign-born, most often from Mexico

Who lives in Charlotte: race and ethnicity, ages, households, languages and countries of origin

In Charlotte, the largest foreign-born group is from Mexico (14.7%), and 14.8% of residents speak Spanish at home.

Under 18

22.7%

of residents

65 and Older

11.0%

of residents

Households with Kids

28.6%

anyone under 18

Living Alone

35.7%

of households

Married Couples

37.4%

of households

Avg Household Size

2.41

people

Race & Ethnicity

White38.1%
Black33.3%
Hispanic or Latino17.5%
Asian6.5%
Two or more races3.9%
Other0.6%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Mexico14.7%
Honduras11.4%
India10.6%
El Salvador5.2%
Vietnam3.7%
Colombia3.1%
Guatemala3.0%
China2.3%
Dominican Republic2.2%
Ecuador2.2%

Languages Spoken at Home

English only75.9%
Spanish14.8%
Other Indo-European2.2%
Other Asian/Pacific2.0%
French/Haitian1.1%
Other1.0%
Vietnamese0.7%
Chinese0.6%

Cost of Livingrent 31% above NC average

Rent, home values, and income in Charlotte

In Charlotte, rent runs 31% above the NC average, and home values are 34% above the NC average.

Median rent (per month)

Charlotte$1,612
North Carolina avg$1,228
US$1,413

Median home value

Charlotte$385,700
North Carolina avg$288,900
US$332,700

Rent Burdened

47.8%

spending 30%+ of income on rent

Severely Rent Burdened

22.9%

spending 50%+

Cost of Living Index

97.3

metro area (BEA) · US avg = 100

Median Property Tax

$2,808

per year, owner-occupied homes

Homeowners

51.0%

of occupied homes are owned

Typical Home Built

1995

median year built

Vacant Homes

7.6%

of housing units

Home Value Trend

$335,024
$401,646
$389,648
202120222023202420252026

Latest: $389,648 (September 2026)

Jobs & Economyunemployment about average for NC

Unemployment in Charlotte and typical pay across the metro area

Unemployment in Charlotte is close to the NC average.

Unemployment rate

Charlotte4.0%
North Carolina avg3.8%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

4.9%
4.5%
3.9%
3.7%
8%
5.2%
3.7%
3.6%
3.8%
4%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

What Charlotte Residents Do for Work · share of employed residents by industry

Education & health care17.9%
Professional & business services16.2%
Finance & real estate14.1%
Retail9.9%
Arts, hospitality & food service8.1%
Construction7.9%
Manufacturing7.4%
Transportation & utilities7.4%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$125,550
Computer & Math$114,530
Business & Finance$82,720
Healthcare$78,990
Education$49,500
Office & Admin$43,540
Production$43,370
Sales$37,730

Charlotte-Concord-Gastonia, NC-SC metro area

Commute24.7 min avg

How Charlotte residents get to work, and the nearest airports

In Charlotte, most residents drive alone to work (57%), and 66% get there in under 30 minutes.

How People Get to Work

Drive alone57.4%
Carpool8.6%
Public transit1.9%
Walk1.7%
Work from home28.8%
Other1.6%

Commute Time Distribution

Under 15 min22.0%
15–29 min43.7%
30–44 min23.7%
45–59 min6.2%
60+ min4.4%

Nearest airports · with airline service

  • Charlotte Douglas International Airport (CLT)

    Major hub25.9M passengers boarded in 2025

    6 mi

Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.

Safetyviolent crime 70% above national average

Crime rates for 2025

Violent crime in Charlotte runs 70% above the national average.

Violent Crime Rate

559.1

per 100,000 residents

Above average (329 national, 2025)

Property Crime Rate

3,417.5

per 100,000 residents

Above average (1,552 national, 2025)

Charlotte-Mecklenburg Police Department

Natural DisastersThunderstorm Wind most common — 12 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively High

97.1 / 100

Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).

Hail · HighIce storm · HighLightning · HighInland flooding · HighStrong wind · High

Mecklenburg County, county-wide · FEMA NRI December 2025

In Mecklenburg County, which includes Charlotte, the most common type is thunderstorm wind, with 12 recorded events in 2025.

Most common events:

Thunderstorm WindHailFlash FloodFloodWinter Weather

Storm events by year

YearEventsTop TypeProperty Damage
202512Thunderstorm Wind$1.1M
202413Thunderstorm Wind$28.4M
202318Thunderstorm Wind$550,000
202216Thunderstorm Wind$180,000
20216Thunderstorm Wind$3,000
202026Thunderstorm Wind$2.5M
201916Thunderstorm Wind$72,500
201820Thunderstorm Wind$52,000

Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.

3 earthquakes of magnitude 2.5+ within 100 miles in the past year

Mecklenburg County, county-wide

Air Quality51 median AQI — Moderate

Days by air quality category (2025)

Air quality in Mecklenburg County, which includes Charlotte, is typically moderate — acceptable for most people, but can affect those unusually sensitive to air pollution.

Median AQI

51

Good Days

176

per year

Moderate Days

189

per year

Unhealthy Days

0

per year

Mecklenburg County, county-wide

Climate89°F summers, 34°F winters

30-year climate averages (1991–2020) — monthly temperatures and precipitation

Charlotte has warm summers (avg high 89°F) and mild winters (avg low 34°F).

Spring (Mar–May)

73°/49°F

avg high / low

Summer (Jun–Aug)

89°/68°F

avg high / low

Fall (Sep–Nov)

73°/51°F

avg high / low

Winter (Dec–Feb)

55°/34°F

avg high / low

Annual Precipitation

43.8"

Annual Snowfall

3.5"

Hot Days/Year

49

days above 90°F

Freeze Days/Year

58

days below 32°F

Rainy Days/Year

112

Average month

High °FLow °FPrecip (in)
20°40°60°80°100°4.5"Jan: 3.49" precipitationFeb: 3.13" precipitationMar: 3.95" precipitationApr: 3.84" precipitationMay: 3.36" precipitationJun: 3.99" precipitationJul: 3.74" precipitationAug: 4.35" precipitationSep: 3.71" precipitationOct: 3.16" precipitationNov: 3.31" precipitationDec: 3.57" precipitation32°JJan: high 52°F, low 32°FFFeb: high 57°F, low 35°FMMar: high 64°F, low 41°FAApr: high 73°F, low 49°FMMay: high 80°F, low 58°FJJun: high 87°F, low 66°F90°JJul: high 90°F, low 70°FAAug: high 89°F, low 69°FSSep: high 83°F, low 63°FOOct: high 73°F, low 50°FNNov: high 63°F, low 40°FDDec: high 55°F, low 35°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan52°F32°F3.49"
Feb57°F35°F3.13"
Mar64°F41°F3.95"
Apr73°F49°F3.84"
May80°F58°F3.36"
Jun87°F66°F3.99"
Jul90°F70°F3.74"
Aug89°F69°F4.35"
Sep83°F63°F3.71"
Oct73°F50°F3.16"
Nov63°F40°F3.31"
Dec55°F35°F3.57"

Healthcare5 hospitals, avg 4.3/5

Hospitals, ratings, and health insurance in Charlotte

Charlotte has 5 hospitals, averaging 4.3 out of 5 on CMS's quality rating — above-average care.

Hospitals

5

within city limits

Uninsured

12.8%

of residents

Avg Hospital Rating

4.3 / 5

Novant Health Presbyterian Medical Center

Acute Care Hospitals · ER available

  • Main campus: Novant Health Presbyterian Medical Center · 200 Hawthorne Lane Box 33549
  • Hospital campus: Charlotte Orthopedic Hospital · 1901 Randolph Rd, Charlotte

Novant Health Mint Hill Medical Center

Acute Care Hospitals · ER available

Carolinas Medical Center/behav Health

Acute Care Hospitals · ER available

Atrium Health University City

Acute Care Hospitals · ER available

  • Main campus: Atrium Health University City · 8800 North Tyron Street
  • Hospital campus: Atrium Health Mercy · 2001 Vail Ave, Charlotte

Nearby hospitals · within 15 miles

Atrium Health Pineville

Acute Care Hospitals · ER available · 8.4 mi away · Charlotte

Novant Health Matthews Medical Center

Acute Care Hospitals · ER available · 8.9 mi away · Matthews

Novant Health Huntersville Medical Center

Acute Care Hospitals · ER available · 13.8 mi away · Huntersville

Adult Health · vs. the typical US place

Obesity30.1%US 36.8%
Diabetes10.1%US 12.6%
High blood pressure30.3%US 37.1%
Current smoking11.4%US 15.0%
No leisure-time physical activity21.9%US 26.6%
Depression22.9%US 23.0%
Asthma10.6%US 10.7%
Routine checkup in past year77.9%US 78.2%

Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.

Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs. Campus locations © OpenStreetMap contributors.

Education16.7:1 student/teacher ratio

Schools and degree attainment in Charlotte

Charlotte's student/teacher ratio is 16.7:1 (higher than the national average of 16:1), and 48.0% of adults 25+ hold a bachelor's degree or higher.

Public Schools

170

within city limits

Private Schools

48

within city limits

College Degree Rate

48.0%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

16.7:1

National avg 16:1

Schools located within city limits (2023) — school-level metrics change slowly year to year

Colleges & Universities in Charlotte

University of North Carolina at Charlotte

Public · 4-year · 24,453 students · in-state tuition $7,317 · 69% graduate · median earnings $63,486 (10 yrs after entry)

Central Piedmont Community College

Public · 2-year · 15,067 students · in-state tuition $2,454 · 22% graduate · median earnings $43,413 (10 yrs after entry)

Johnson C Smith University

Private nonprofit · 4-year · 1,244 students · in-state tuition $22,370 · 40% graduate · median earnings $44,849 (10 yrs after entry)

Queens University of Charlotte

Private nonprofit · 4-year · 1,211 students · in-state tuition $48,445 · 66% graduate · median earnings $58,736 (10 yrs after entry)

Johnson & Wales University-Charlotte

Private nonprofit · 2-year · 1,184 students · in-state tuition $44,581 · 52% graduate · median earnings $53,928 (10 yrs after entry)

Chamberlain University-North Carolina

Private for-profit · 4-year · 202 students · in-state tuition $21,655 · 59% graduate · median earnings $96,897 (10 yrs after entry)

Nearby Colleges (within 15 miles)

Belmont Abbey College

12.4 mi away

Private nonprofit · 4-year · 1,276 students · in-state tuition $21,500 · 48% graduate · median earnings $53,850 (10 yrs after entry)

Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)

Parks & Recreationclosest: Overmountain Victory National Historic Trail, 31 mi

Nearby national parks, recreation areas and public libraries for Charlotte

Charlotte has 8 nearby national parks or recreation areas, closest being Overmountain Victory National Historic Trail (31 mi away).

Nearby National Parks & Recreation Areas

Overmountain Victory National Historic Trail

National Historic Trail

31 mi away

Kings Mountain National Military Park

National Military Park

32 mi away

Cowpens National Battlefield

National Battlefield

56 mi away

Guilford Courthouse National Military Park

National Military Park

85 mi away

Carl Sandburg Home National Historic Site

National Historic Site

92 mi away

Blue Ridge Parkway

Parkway

96 mi away

Congaree National Park

National Park

98 mi away

Ninety Six National Historic Site

National Historic Site

100 mi away

Public Libraries in Charlotte

Charlotte Mecklenburg Library

310 N Tryon St, Charlotte

Central library

Allegra Westbrooks Regional

2412 Beatties Ford Rd, Charlotte

Branch~59 hrs/week

Founders Hall

100 N Tryon St. Suite 290, Charlotte

Branch~38 hrs/week

Hickory Grove Branch Library

5935 Hickory Grove Rd, Charlotte

Branch~58 hrs/week

Imaginon: The Joe & Joan Martin Center

300 E 7th St, Charlotte

Branch~59 hrs/week

Independence Regional Library

6015 Conference Dr, Charlotte

Branch~59 hrs/week

Myers Park Branch Library

1361 Queens Rd, Charlotte

Branch~58 hrs/week

Plaza Midwood Branch Library

1623 Central Ave, Charlotte

Branch~58 hrs/week

South Boulevard Branch Library

7015 Carnegie Boulevard, Charlotte

Branch~58 hrs/week

South County Regional Library

5801 Rea Rd, Charlotte

Branch~59 hrs/week

South Park Regional Library

7015 Morrison Blvd, Charlotte

Branch~59 hrs/week

Steele Creek Branch Library

13620 Steele Creek Rd, Charlotte

Branch~58 hrs/week

Compare Charlotte

Popular side-by-side matchups

Cities Near Charlotte

The closest cities within 60 miles

Planning a move to Charlotte?

Read our full moving guide — what it's really like to live here.

Moving to Charlotte →

Charlotte FAQ

Is Charlotte, North Carolina affordable?⌄

Charlotte's median rent is $1,612/month, which is close to the national average. The median household income is $82,068/year. Median home value is $385,700.

Is Charlotte, North Carolina safe?⌄

Charlotte's violent crime rate was 559 per 100,000 residents in 2025, which is significantly above the national average of 329/100k that year. Property crime rate is 3418 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in Charlotte, North Carolina?⌄

Charlotte has an unemployment rate of 4.0%, which is close to the national average of 4.3%.

What is the cost of living in Charlotte, North Carolina?⌄

The cost of living in Charlotte is primarily driven by housing. Median rent is $1,612/month and median household income is $82,068/year. The median home value is $385,700. About 48% of renters spend more than 30% of their income on housing.

How is the commute in Charlotte, North Carolina?⌄

The average commute in Charlotte is 25 minutes, which is about average compared to the national average of 26 minutes.

Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from