Cotswold, Charlotte, NC—28211
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cotswold, Charlotte, NC
As of Oct '25, the median home price in Cotswold, Charlotte, NC is $878,000, with a year-over-year change of 1.8%. This indicates that home prices in Cotswold, Charlotte, NC are increasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $878,000 | 1.9% |
| Single Family | $943,000 | 2.1% |
| Condos | $288,000 | -2.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $236,000 | -3.3% |
2 Bed | $288,000 | -3.0% |
3 Bed | $669,000 | 1.4% |
4 Bed | $1,033,000 | 2.6% |
| 5 Bed | $2,262,000 | 4.9% |
% of Housing Stock
Rental Trends — Cotswold, Charlotte, NC
As of July '25, Rentcast reports the average rent in Cotswold, Charlotte, NC is $2,380, with a year-over-year rent change of -9.8%. Per bedroom, the median rent as of July '25 in Cotswold, Charlotte, NC is studios: $1,500, 1-bedrooms: $1,820, 2-bedrooms: $2,420, 3-bedrooms: $3,330, 4-bedrooms: $3,890. The most common rental property sizes in Cotswold, Charlotte, NC are 2-bedroom and 1-bedroom, accounting for 52.8% and 26.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,140 | $2,380 |
| Studio Rent | $1,440 | $1,500 |
| 1 Bed Rent | $1,880 | $1,820 |
| 2 Bed Rent | $2,350 | $2,420 |
| 3 Bed Rent | $2,950 | $3,330 |
| 4 Bed Rent | $3,600 | $3,890 |
% of Rental Stock
Property Listings — Cotswold, Charlotte, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Cotswold, Charlotte, NC is 66. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,180,000 | 13.0% |
Listing Count | 181 | 2.0% |
| Listings as % of Homes | 0.9% | 2.0% |
Days on Market | 66 | -3.0% |
Demographics — Cotswold, Charlotte, NC
As of the latest ACS Survey released in 2023, Cotswold, Charlotte, NC has a population of 32,600, which has increased by 6.0% over the past 5 years. Cotswold, Charlotte, NC is a popular place for families, as children make up 25.5% of the population. The area has a highly educated workforce, with 68.8% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 27.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 32,600 | 6.0% |
% Under 18 | 25.5% | 5.4% |
% Seniors | 14.2% | -15.0% |
% WFH | 27.2% | 189.4% |
% w/ College Degree | 68.8% | 4.1% |
As of the latest ACS Survey released in 2023, Cotswold, Charlotte, NC is a predominantly white area, with 72.6% of the population identifying as white. The white population has shrunk by 3.5% in the last 5 years. The second most common race or ethnicity in Cotswold, Charlotte, NC is black, making up 13.2% of the population. Foreign-born residents account for 11.1% of the population in Cotswold, Charlotte, NC, and this percentage has increased by 38.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.6% | -3.5% |
% Black | 13.2% | -3.6% |
% Hispanic | 5.6% | 30.2% |
% Asian | 5.3% | 1.9% |
% Foreign Born | 11.1% | 38.7% |
Mortgage and Risk — Cotswold, Charlotte, NC
According to HUD data as of 2023, there were 860 mortgage originations in Cotswold, Charlotte, NC, of which 97.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Cotswold, Charlotte, NC. Investor activity is low, as 2.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 860 |
% Conventional Loans | 97.0% |
% Government Loans | 3.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Cotswold, Charlotte, NC
As of 2024, the percent of homes in Cotswold, Charlotte, NC under the Section 8 program is 9.0%. 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 Cotswold, Charlotte, 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 | 463 |
Total Units Section 8 | 463 |
% Rentals under Section 8 | 9.0% |
% Occupied Section 8 | 67.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $30 | $1,880 | $1,910 |
| 2 Bedroom | -$240 | $2,350 | $2,110 |
| 3 Bedroom | -$350 | $2,950 | $2,600 |
| 4 Bedroom | -$300 | $3,600 | $3,300 |
Affordability — Cotswold, Charlotte, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.8 |
| Median Home Price | $878,000 |
| Median Household Income | $130,000 |