Belmont, NC 28012 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Belmont, NC—28012

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$412,000

1.8% YoY Growth

Household Income

$81,100

21.1% YoY Growth

Days on Market

19.0% Longer YoY

Home Price Forecast

1.6%

Median Rent

$2,000

6.6% YoY Growth

1-Bed Rent

$1,050

2.4% YoY Growth

2-Bed Rent

$1,600

7.5% YoY Growth

3-Bed Rent

$2,100

7.9% YoY Growth

Home Price Trends — Belmont, NC

As of Dec '25, the median home price in Belmont, NC is $412,000, with a year-over-year change of 1.8%. This indicates that home prices in Belmont, NC are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$412,000	1.8%
Single Family	$414,000	2.0%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Belmont, NC

As of July '25, Rentcast reports the average rent in Belmont, NC is $2,110, with a year-over-year rent change of 6.6%. Per bedroom, the median rent as of July '25 in Belmont, NC is 1-bedrooms: $1,230, 2-bedrooms: $1,600, 3-bedrooms: $2,180, 4-bedrooms: $2,980. The most common rental property sizes in Belmont, NC are 2-bedroom and 1-bedroom, accounting for 47.8% and 22.7% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$2,000	$2,110
Studio Rent	N/A	N/A
1 Bed Rent	$1,050	$1,230
2 Bed Rent	$1,600	$1,600
3 Bed Rent	$2,100	$2,180
4 Bed Rent	$2,680	$2,980

Loading chart...

% of Rental Stock

Studio

1.8%

1 Bedroom

22.7%

2 Bedrooms

47.8%

3 Bedrooms

18.7%

4 Bedrooms

6.0%

5+ Bedrooms

3.0%

Property Listings — Belmont, NC

As of Dec '25, Realtor.com reports that the median days on market for a home in Belmont, NC is 64. This is a increase of 5.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 31.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$525,000	11.0%
Listing Count	195	38.0%
Listings as % of Homes	0.7%	38.0%
Days on Market	72	19.0%

Loading chart...

Demographics — Belmont, NC

As of the latest ACS Survey released in 2023, Belmont, NC has a population of 26,500, which has increased by 15.5% over the past 5 years. Belmont, NC is a moderately popular place for families, as children make up 20.6% of the population. The area has a moderately educated workforce, with 41.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.1% reporting working from home.

Metric	Latest Census	YoY % Change
Population	26,500	15.5%
% Under 18	20.6%	-8.0%
% Seniors	15.8%	9.0%
% WFH	17.1%	242.0%
% w/ College Degree	41.7%	24.1%

Loading chart...

As of the latest ACS Survey released in 2023, Belmont, NC is a predominantly white area, with 83.7% of the population identifying as white. The white population has grown by 5.5% in the last 5 years. The second most common race or ethnicity in Belmont, NC is black, making up 5.9% of the population. Foreign-born residents account for 4.5% of the population in Belmont, NC, and this percentage has decreased by 18.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	83.7%	5.5%
% Black	5.9%	-29.8%
% Hispanic	4.3%	-17.3%
% Asian	3.6%	28.6%
% Foreign Born	4.5%	-18.2%

Loading chart...

Mortgage and Risk — Belmont, NC

According to HUD data as of 2023, there were 682 mortgage originations in Belmont, NC, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Belmont, NC. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	682
% Conventional Loans	89.0%
% Government Loans	11.0%
% Investor Loans	2.0%
% Second Loans	2.0%
% Cash Out Refinance	9.0%

Loading chart...

Rentals and Section 8 — Belmont, NC

As of 2024, the percent of homes in Belmont, NC under the Section 8 program is 2.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Belmont, NC, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD	184
Total Units Section 8	95
% Rentals under Section 8	2.8%
% Occupied Section 8	88.4%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$400	$1,050	$1,450
2 Bedroom	$0	$1,600	$1,600
3 Bedroom	-$130	$2,100	$1,970
4 Bedroom	-$180	$2,680	$2,500

Belmont, NC—28012

Key Metrics at a Glance

Home Price Trends — Belmont, NC

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Belmont, NC

% of Rental Stock

Property Listings — Belmont, NC

Demographics — Belmont, NC

Race and Ethnicity

Mortgage and Risk — Belmont, NC

Mortgages

Rentals and Section 8 — Belmont, NC

Section 8 Market Size

Section 8 Opportunity

Affordability — Belmont, NC

Home Price to Income Ratio

Belmont, NC — ZIP Code Boundary Map

Nearby ZIP Codes

Cramerton, NC

Mc Adenville, NC

Lowell, NC

Lake Wylie, Charlotte, NC

Gastonia, NC

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	4.8
Median Home Price	$412,000
Median Household Income	$81,100

Belmont, NC—28012

Key Metrics at a Glance

Home Price Trends — Belmont, NC

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Belmont, NC

% of Rental Stock

Property Listings — Belmont, NC

Demographics — Belmont, NC

Race and Ethnicity

Mortgage and Risk — Belmont, NC

Mortgages

Rentals and Section 8 — Belmont, NC

Section 8 Market Size

Section 8 Opportunity

Affordability — Belmont, NC

Home Price to Income Ratio

Belmont, NC — ZIP Code Boundary Map

Nearby ZIP Codes

Cramerton, NC

Mc Adenville, NC

Lowell, NC

Lake Wylie, Charlotte, NC

Gastonia, NC

Frequently Asked Questions

What is the average home price in Belmont, NC 28012?

How have home prices in Belmont, NC 28012 changed over the past year?

What is the home price projection for Belmont, NC 28012?

What are the demographics of Belmont, NC 28012?

How long does it take homes to sell in Belmont, NC 28012?

What is the average rent price in Belmont, NC 28012?