Orlando - FL vs Charlotte - NC: 2026 Housing Comparison

What this means for buyers

Orlando - FL is roughly 1% more expensive than Charlotte - NC in typical home value.

Orlando vs Charlotte: what the numbers say

At today's 7.40% average 30-year rate with 20% down, the typical home would cost about $2,123 a month in principal and interest in Orlando and $2,113 in Charlotte, a gap of $11 a month.

Typical rent runs $1,929 in Orlando and $1,735 in Charlotte, so the mortgage payment alone is 1.1 times rent in Orlando and 1.2 times rent in Charlotte, before taxes and insurance.

Home prices are 16.6 years of rent in Orlando and 18.3 in Charlotte; the lower ratio in Orlando means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -5.6% in Orlando and -1.5% in Charlotte; over just the last three months the change was -0.3% in Orlando and -0.6% in Charlotte.

Homes sell for 97.3% of list price in Orlando and 98.5% in Charlotte, after 41 and 36 days on the market, with price cuts on 28% and 30% of listings. The signs are mixed: Orlando has longer time on the market and sales further below list, while Charlotte has more price cuts.

The number of homes for sale is down 3% on a year ago in Orlando and up 9% on a year ago in Charlotte.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-15), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.