See what Charlotte homes sell for, and what you’d keep selling with us.
1% Listing Fee when you buy and sell within a year. Licensed real estate broker in North Carolina.
estimated total savings Example
On a $421,000 sale and a $421,000 purchase: listing savings, ZERO Closing Costs and the Realty Purchase Credit.
Keeping $403,114 on the median sale is after a 1% Listing Fee (with buy), the 3% buyer’s agent fee and other selling costs: $8,420 less than a typical 3% listing.
“Smooth process, great people, excellent rate, and didn't pay any closing costs! I have used CapCenter 3 times now and have had the same great experience each time!”
Low, median and high, then what you’d keep.
What's your Charlotte home worth? Get a free estimate from recent Charlotte sales, then see your net proceeds after selling.
Home value
$400,000
Mortgage
$0
Your equity
$400,000
Principal balance on your latest mortgage statement.
Cash-out refinance, up to
$250,000
Keep your home and borrow up to 80% of its value with a ZERO Closing Costs cash-out refinance, or up to $250,000 with a home equity loan (90%).
For amounts from $50,000 to $250,000. Your rate and approval depend on credit and income.
Down payment available
–
Your estimated net proceeds from selling, as a down payment, subject to approval.
Savings are for a next home at the same price, with 20% down and a 30-year fixed CapCenter mortgage.
Estimated net proceeds
–
After a 1% Listing Fee (with buy), the 3% buyer's agent fee, other selling costs and your mortgage payoff.
Estimates only. Not an appraisal, an offer to buy your home or a commitment to lend. The home value is the value entered ($400,000) with a $0 mortgage. Net proceeds assume a 1% Listing Fee when you buy and sell with CapCenter (1.5% sell only), a 3% buyer's agent fee and typical attorney, termite and grantor's tax costs. Down payment available is your estimated net proceeds; the loan amount you qualify for depends on credit, income and approval. Cash-out figures use up to 80% of value for a cash-out refinance and 90% for a home equity loan, less your mortgage, for amounts from $50,000 to $250,000. ZERO Closing Costs and the Realty Purchase Credit vary by loan and location. Restrictions apply. Standard listing fees are 1.5%. List your home with 1% listing fees when you buy and sell within 1 year with CapCenter. All values within this tool are estimates and are meant for informational purposes only. Actual amounts may vary. See the Terms & Conditions for details and restrictions. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender.
How it works
We start from what homes like yours actually sold for in Charlotte, then show a range so you can see how much room the market gives you.
We compare your home with similar homes that sold near you, adjusting for size, bedrooms, bathrooms and age from property records.
The median is our best single estimate. Low and high show the range similar homes sold within. Choose Custom to enter your own number.
Add what is left on your mortgage and choose sell + buy (1%) or sell only (1.5%). We subtract the fees and your payoff to show your net proceeds.
List for 1% when you buy and sell within one year with CapCenter (1.5% sell only).
The bundle
Selling and buying your next home is where the savings add up. Three pieces stack:
1% listing fee
List for 1% instead of a typical 3% when you buy and sell within one year with CapCenter.
ZERO Closing Costs
Finance your next home with CapCenter and we waive closing costs like origination, appraisal and title fees.
Realty Purchase Credit
Buy your next home with a CapCenter REALTOR® and get a credit of up to 0.5% of the purchase price at closing.
| Savings | Estimate |
|---|---|
| Listing savings (1% vs 3%) | $8,420 |
| ZERO Closing Costs | $5,210 |
| Realty Purchase Credit | $2,105 |
| Estimated total savings | $15,735 |
Estimate for a $421,000 sale and a $421,000 purchase in Richmond, VA with 20% down and a 30-year fixed CapCenter mortgage. 1% listing fee when you buy and sell within one year with CapCenter.
Example $421,000 sale + $421,000 purchase, 20% down, 30-year fixed.
From recent Charlotte sales.
Pricing and timing, from our Charlotte office.
When you buy and sell within a year.
Selling in Charlotte? Keep more of your sale. List for 1% when you buy & sell with CapCenter.
See selling savingsCharlotte market snapshot
The median Charlotte home that closed in the last 90 days sold for $421,000, 74 days after it was listed.
Updated November 4, 2026
Homes with a Charlotte, NC address in our MLS data. "Closed" means a recorded sale with a close date in the last 90 days. Figures are medians. See Charlotte, NC homes for sale.
Frequently asked questions
Charlotte home value questions.
$421,000 for homes with a Charlotte, NC address that closed in the 90 days to November 4, 2026 (2,549 sales), from CapCenter's MLS data.
The median Charlotte home that closed in the last 90 days took 74 days from listing to closing, which includes the time under contract. 4,326 homes were for sale on November 4, 2026.
The median closed sale went for 98.6% of its final list price, and 38% of homes closed at or above their final list price in the last 90 days.
On a $421,000 sale, a 1% CapCenter listing fee (when you also buy with us; 1.5% to sell only) is $4,210, compared with $12,630 at a typical 3%. Sellers commonly also pay closing items such as attorney fees and taxes. The calculator above shows each line.
It's a good starting point because it's built from recent Charlotte sales. It can't see renovations or condition, so ask a CapCenter listing agent for a comparative market analysis before you set a price.
It depends on whether you want to move. Selling turns your equity into cash and pays off your mortgage, but you pay selling costs and need somewhere to live next. A home equity loan or a cash-out refinance lets you stay and borrow against your equity, which you repay with interest. Compare your net proceeds with what you could borrow, then talk to us about either one.
1% of the sale price (minimum $3,000) when you buy and sell with CapCenter within a year; 1.5% if you only sell. It does not include any commission you choose to offer a buyer’s agent.
Estimates only. Not an appraisal, an offer to buy your home or a commitment to lend. Restrictions apply.
Market figures are calculated by CapCenter from MLS listing data, updated November 4, 2026. They are estimates, not an appraisal.
Listings courtesy of Canopy MLS as distributed by MLS GRID. Properties displayed may be listed or sold by various participants in the MLS. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID, and the use of the MLS GRID Data may be subject to an end-user license agreement prescribed by the Member Participant’s applicable MLS, if any, and as amended from time to time.
Information not guaranteed. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. © 2026 Triangle MLS, Inc. of North Carolina. All rights reserved. The information being provided is for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Also includes listings from TriadMLS, HiveMLS. Information deemed reliable but not guaranteed.
Our clients have spoken
Near you
Local estimates and recent sale prices in our other real estate markets.
