Rent to own Homes in Charlotte, NC

In the early 1800s, Charlotte, North Carolina, became a bustling town and is recorded as one of the first "gold-rush cities" in the United States. More than 200 years later, the city has once again exploded, though this time through a more modern kind of gold rush — the banking industry. It is now considered the second largest financial district in the U.S., second only to Manhattan, New York. The home of the Charlotte Hornets and Carolina Panthers hosts the headquarters of Fortune 500 companies such as Bank of America and Lowe's. It has a booming economy with 27,300 new jobs, an increase of 2.3%, between 2018 and 2019. The Charlotte metro area had an unemployment rate of 3.1% in 2019, which was lower than the U.S. average of 3.6%.

This nearly 300-square-mile city has approximately 904,000 residents and is now the 15th largest municipality in the United States. Over the past 10 years, Charlotte had a population increase of more than 170,000. People are coming to live in this city in droves, and so can you. Read on to learn more and find a Charlotte rent to own home meant for you.

Charlotte, NC is a great place for affordable rent-to-own homes! With a median household income of over $65,359 and a median rent of $1,185, the Charlotte, NC rent-to-own market is more affordable than the traditional housing market which has shown tremendous growth across the U.S. and with it, aggressive competition for home purchases. With the current housing shortage trend it can make it harder to become a homeowner, including in Charlotte, NC. This means higher than average down payments for homes and higher qualification standards for conventional home loans. With a rent-to-own property, tenants are also buyers. You can live in the house for a set amount of time before you purchase it, meaning that you get to know the house, your neighbors, and your community before making the final purchase. This enables you and your family to make the right choice based on both information and experience. Rent-to-own is also a great alternative way to get into a home if you have bad credit or don't have enough saved for a down payment.

Check out Charlotte, NC rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 440
7535 FOWLER SPRINGS LN
Rent To Own
Idlewild South
Single Family Home
Charlotte, NC 28212
3
3
1440 ft2
2006
6536 MOONLIGHT LN
Rent To Own
University City
Single Family Home
Charlotte, NC 28269
4
3
3192 ft2
1993
10311 DOMINION VILLAGE DR
Rent To Own
University City
Single Family Home
Charlotte, NC 28269
3
3
2252 ft2
2005
New
107 GILMORE ST
Rent To Own
Fort Mill
Single Family Home
Fort Mill, SC 29715
3
1
870 ft2
1951
17540 HARBOR WALK DR
Rent To Own
Cornelius
Single Family Home
Cornelius, NC 28031
3
3
2124 ft2
2008
311 NORTHWEST DR
Rent To Own
 
Townhouse/Condo
Davidson, NC 28036
2
2
869 ft2
1984
Hot
200 MCINTYRE ST
Rent To Own
 
Single Family Home
Monroe, NC 28110
3
2
1000 ft2
1974
1 of 51 109 HARBOR COVE LN
Rent To Own
 
Single Family Home
Mooresville, NC 28117
4
3
2563 ft2
1999
524 Jakes Ridge Ln
Rent To Own
 
Single Family Home
Mooresville, NC 28115
2
2
1151 ft2
2000
4914 THRONEBURG RD
Rent To Own
 
Single Family Home
Catawba, NC 28609
3
2
1008 ft2
1989
208 W LEE AVE
Rent To Own
Bessemer City
Single Family Home
Bessemer City, NC 28016
3
2
1154 ft2
1920
410 CANDLEWICK DR
Rent To Own
 
Single Family Home
Salisbury, NC 28147
3
2
1910 ft2
2001
454 N TRADD ST
Rent To Own
 
Single Family Home
Statesville, NC 28677
2
1
700 ft2
1962
461 N TRADD ST
Rent To Own
 
Single Family Home
Statesville, NC 28677
2
1
728 ft2
1963
Hot
1036 AUTUMN LN
Rent To Own
 
Single Family Home
Hickory, NC 28602
3
3
1437 ft2
1979
2720 DUNROBIN PL
Rent to Own Eligible
 
Townhouse/Condo
Fort Mill, SC 29707
2
3
1498 ft2
2008
217 PINEVILLE FOREST DR
Rent to Own Eligible
Pineville
Townhouse/Condo
Pineville, NC 28134
2
3
1426 ft2
2002
1 of 10 10503 OSPREY DR
Rent to Own Eligible
 
Townhouse/Condo
Charlotte, NC 28226
2
2
1016 ft2
1973
1 of 18 9414 GINHOUSE LN
Rent to Own Eligible
Provincetowne
Single Family Home
Charlotte, NC 28277
4
4
2547 ft2
2003
1 of 37 5006 ALL SAINTS WAY
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29707
5
3
3014 ft2
2009
10423 OSPREY DR
Rent to Own Eligible
Pineville
Single Family Home
Pineville, NC 28134
2
3
1344 ft2
1980
5115 GRACE VIEW DR
Rent to Own Eligible
Pineville
Single Family Home
Pineville, NC 28134
4
2
2684 ft2
2018
1 of 56 1924 STILL WATER LN
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29707
4
3
2646 ft2
2012
1 of 73 10310 GUNNISON LN
Rent to Own Eligible
 
Single Family Home
Charlotte, NC 28277
5
3
3684 ft2
2001
1 of 82 6606 POINT COMFORT LN
Rent to Own Eligible
McAlpine
Townhouse/Condo
Charlotte, NC 28226
3
3
1527 ft2
1974
1 of 41 8709 GLADDEN HILL LN
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29715
4
3
3135 ft2
2019
3042 CEDRIC CT
Rent to Own Eligible
Regent Park
Single Family Home
Fort Mill, SC 29715
5
4
3182 ft2
2018
New
1 of 27 8542 CAROLINA LILY LN
Rent to Own Eligible
Mallard Creek - Withrow Downs
Townhouse/Condo
Charlotte, NC 28262
3
2
1710 ft2
2002
12357 COPPER MOUNTAIN BLVD
Rent to Own Eligible
Ballantyne West
Townhouse/Condo
Charlotte, NC 28277
2
2
1300 ft2
2004
1 of 32 2123 SAVOY PL
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29707
3
2
1770 ft2
2005
1 of 48 12015 ROYAL CASTLE CT
Rent to Own Eligible
Ballantyne West
Single Family Home
Charlotte, NC 28277
3
3
1762 ft2
2004
11566 RETRIEVER WAY
Rent to Own Eligible
University City
Townhouse/Condo
Charlotte, NC 28269
3
3
1378 ft2
2003
1 of 18 11615 ASHBOURNE HALL RD
Rent to Own Eligible
Provincetowne
Single Family Home
Charlotte, NC 28277
5
4
4181 ft2
2010
3107 BETTY JEAN PL
Rent to Own Eligible
University City
Single Family Home
Charlotte, NC 28269
4
2
1762 ft2
2019
134 REID LN
Rent to Own Eligible
Pineville
Townhouse/Condo
Pineville, NC 28134
2
3
1080 ft2
2000
1 of 62 6032 QUEENS WALK CT
Rent to Own Eligible
 
Townhouse/Condo
Fort Mill, SC 29707
3
2
1837 ft2
2006
1 of 80 10718 POMERANE PL
Rent to Own Eligible
Provincetowne
Single Family Home
Charlotte, NC 28277
4
3
2832 ft2
1997
5267 BIRCH ARBOR PL
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29707
5
5
3796 ft2
2020
1 of 88 10911 MCALPINE VALLEY CT
Rent to Own Eligible
Ballantyne West
Single Family Home
Charlotte, NC 28277
5
3
3207 ft2
1999
1 of 23 720 BALBOA CT
Rent to Own Eligible
 
Single Family Home
Fort Mill, SC 29715
5
4
3063 ft2
2013
1 of 36 8918 ARBOR CREEK DR
Rent to Own Eligible
University City
Single Family Home
Charlotte, NC 28269
4
3
2935 ft2
2007
New
5211 GLENBRIER DR
Rent to Own Eligible
North Sharon Amity
Single Family Home
Charlotte, NC 28212
3
2
1662 ft2
1968
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Rent to own Homes in Cities Near Charlotte, NC

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Buying a Home in Charlotte, NC

Charlotte, NC is seeing rapid growth and Charlotte, NC's' housing market remains not optimal with an average home price that is 8% above the 2024 national average. Charlotte, NC is part of Mecklenburg county and taxes are an important factor to consider when purchasing a home whether through rent to own or a traditional purchase. The average tax rate as of 2024 for county Mecklenburg is 1.05% which is above the national average, which is 0.99%.

Median Home Price in Charlotte, NC

Median Rent in Charlotte, NC

Rent to own homes offer low monthly payments and flexible terms.

Average Cost of Living in Charlotte

Despite everything Charlotte has to offer, it's not an expensive place to live. The overall cost of living is a little more than 1% below the national average. Health costs are at the national average, but everything else, from groceries to transportation expenses, is between 0.8% and 2.3% lower than the rest of the country. These numbers are not so common in larger countries across the U.S.

Average Home Prices in Charlotte

Typically, popular metropolitan areas command high housing prices, but that's not the case in Charlotte. The median home cost in the city is $228,800, which is slightly more than 22% above the average for North Carolina, but 1% lower than the average in the United States. These prices are very affordable, considering the city's economy and popularity, and rent-to-own homes are a great way to quickly and easily become homeowners in this bustling city.

Charlotte Statistics

If you're interested in Charlotte rent-to-own homes, don't forget to consider important factors in addition to monthly living costs, such as average commute, taxes, crime rates, etc. The following are some common Charlotte statistics compared to the U.S. national average.

Charlotte Averages National Averages
One-Way Commute 25.3 minutes 26.4 minutes
Violent Crime 34.3 22.7
Property Crime 53.6 35.4
Unemployment Rate 4.2% 3.9%
Income Tax Rate 5.5% 4.6%
Air Quality 43 58
Water Quality 60 55
Median Household Income $53,274 $53,482
Median Property Taxes $2,600 $2,200
Utilities $170/month $112/month
Monthly Rent $970 $1,470
Median Home Cost $228,800 $231,200
Median Home Age 25 years 40 years

Popular Amenities and Attractions in Charlotte

Charlotte is proud of its tourism industry. More than 29 million people visited the city in 2018. These tourists spent nearly $7.5 billion throughout the year. Charlotte Douglas International Airport makes it easy to travel to and from the city, and Charlotte has an impressive transportation network for getting around town. Residents and visitors can take advantage of the city's light rail, trolley, and bus systems, which run frequent, convenient routes. You can also use private cabs or rideshare services such as Uber and Lyft. If you prefer to go green, you can take advantage of the city's bike-share program, which has stations throughout Charlotte.

There are many entertainment and recreational opportunities in the city. Carowinds, North Carolina's world-class, 400-acre amusement park, is located in Charlotte. In addition to its many rides and rollercoasters, the park hosts a slew of events, night activities, and festivals. There's also a 27-acre water park, Carolina Harbor, on the site.

The U.S. National Whitewater Center in Charlotte offers year-round outdoor activities and educational instruction for people of all ages. The 1,300-acre woodland preserve has the world's largest man-made whitewater river, where you can go rafting, and a lake for kayaking and stand-up paddleboarding. There are more than 50 miles of hiking, biking, and walking trails throughout the park. Other activities include mountain climbing, ziplines, controlled jumps from 30 to 100 feet high, ice skating during the winter months, and rope courses. There are also many organized events, such as races, music concerts, and educational certification programs. You can spend several days at the center without running out of things to do.

The city also has many options for indoor or hybrid experiences. The NASCAR Hall of Fame is a 400,000-square-foot facility where you can walk through the hall to view the inductees, use their simulations to "drive" a race car, and follow the everyday life of race teams. The Discovery Place Science Museum, in addition to its many exhibits, has programs, shows, and classes throughout the day, and an IMAX theater with several daily features. If you're into art, you can visit the Mint Museum Randolph, an art museum located at the site of the original branch of the U.S. Mint.

With so much to do, such a vibrant, up-and-coming economy, and an affordable cost of living in the city, Charlotte will continue to grow for the foreseeable future. There are options for urban and suburban living, and there's a wide variety of folks from different backgrounds in the city. If you're looking to relocate, you should consider Charlotte as a viable rent to own home option.