Renting · Section 8
Data from November 2026
Renting in Cabarrus County, North Carolina
Cabarrus County has a HUD fair market rent of $1,785 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,414 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $34.33 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,785
- a month, HUD, Fiscal year 2027
- 24% more than in North Carolina
- Typical rent
- $1,414
- a month, Census, Average 2020–2024
- 15% more than in North Carolina
- Wage needed
- $34.33
- an hour, 2 bedrooms
- Or $71,400 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 50%
- spend 30% or more of income on rent
- 2% more than in North Carolina
Only here
Renting in Cabarrus County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Stanly County has the lowest typical rent ($861), 39% below the $1,414 in Cabarrus County.
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Cabarrus County has the 7th highest typical rent of the 100 counties in North Carolina ($1,414).
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Cabarrus County has the 7th highest typical household income of the 100 counties in North Carolina ($89,005).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Cabarrus County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Cabarrus County was $1,794 a month in September 2026: 2.2% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,574 | $30.27 | $62,960 |
| 1 bedroom | $1,640 | $31.54 | $65,600 |
| 2 bedrooms | $1,785 | $34.33 | $71,400 |
| 3 bedrooms | $2,179 | $41.90 | $87,160 |
| 4 bedrooms | $2,773 | $53.33 | $110,920 |
HUD area: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 11 ZIP codes in Cabarrus County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,350 in 28081 to $2,680 in 28075. 2 ZIP codes are above the county's fair market rent ($1,785).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 28025 | Charlotte-Concord-Gastonia, NC-SC | $1,340 | $1,400 | $1,520 | $1,860 | $2,360 |
|---|---|---|---|---|---|---|
| 28027 | Charlotte-Concord-Gastonia, NC-SC | $1,580 | $1,640 | $1,790 | $2,190 | $2,780 |
| 28075 | Charlotte-Concord-Gastonia, NC-SC | $2,360 | $2,460 | $2,680 | $3,270 | $4,160 |
| 28081 | Charlotte-Concord-Gastonia, NC-SC | $1,130 | $1,170 | $1,350 | $1,670 | $2,160 |
| 28081 | Rowan County, NC | $1,130 | $1,170 | $1,350 | $1,670 | $2,160 |
| 28083 | Charlotte-Concord-Gastonia, NC-SC | $1,220 | $1,260 | $1,420 | $1,750 | $2,250 |
| 28083 | Rowan County, NC | $1,220 | $1,260 | $1,420 | $1,750 | $2,250 |
| 28107 | Charlotte-Concord-Gastonia, NC-SC | $1,260 | $1,310 | $1,440 | $1,760 | $2,230 |
| 28107 | Stanly County, NC | $1,260 | $1,310 | $1,440 | $1,760 | $2,230 |
| 28124 | Charlotte-Concord-Gastonia, NC-SC | $1,180 | $1,230 | $1,360 | $1,670 | $2,090 |
| 28124 | Stanly County, NC | $1,180 | $1,230 | $1,360 | $1,670 | $2,090 |
- 28025 · Charlotte-Concord-Gastonia, NC-SC $1,520$1,860
- 28027 · Charlotte-Concord-Gastonia, NC-SC $1,790$2,190
- 28075 · Charlotte-Concord-Gastonia, NC-SC $2,680$3,270
- 28081 · Charlotte-Concord-Gastonia, NC-SC $1,350$1,670
- 28081 · Rowan County, NC $1,350$1,670
- 28083 · Charlotte-Concord-Gastonia, NC-SC $1,420$1,750
- 28083 · Rowan County, NC $1,420$1,750
- 28107 · Charlotte-Concord-Gastonia, NC-SC $1,440$1,760
- 28107 · Stanly County, NC $1,440$1,760
- 28124 · Charlotte-Concord-Gastonia, NC-SC $1,360$1,670
- 28124 · Stanly County, NC $1,360$1,670
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Cabarrus County, 50% of renter households are in that position; in North Carolina, 49%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
50%
of renter households spend 30% or more of their income on rent.
24,288 households rent in Cabarrus County
- Spend half or more of their income 22%
- Spend 30% or more, but less than half 28%
- Spend less than 30% 50%
Compared with the state and the country
- Cabarrus 50%
- North Carolina 49%
- United States 51%
Low-income apartments
Low-income apartments in Cabarrus County
HUD lists 36 properties with homes for low-income households in Cabarrus County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 20
- HUD-assisted
- 15
- public housing
- 1
2,287 homes in all; 2,222 of them low-income, according to HUD.
- Chapman Public housing 395 Dayvault St SW, Concord 28025 174 low-income homes · Run by Housing Authority of the City of Concord · Average payment: $388 a month · (704) 920-6109
- Greens of Concord Tax credit (LIHTC) 1400 Daley Cir, Concord 28025 152 low-income homes · 2 bd: 48 · 3 bd: 72 · 4 bd: 32 · In service since 1996 · For families
- Concord Chase Tax credit (LIHTC) 100 Concord Chase Cir, Concord 28025 124 low-income homes · 1 bd: 4 · 2 bd: 40 · 3 bd: 72 · 4 bd: 8 · In service since 2002 · For families
- Brooke Pointe Apartments Tax credit (LIHTC) 1445 Fairington Dr NW, Concord 28027 106 low-income homes · 2 bd: 61 · 3 bd: 37 · 4 bd: 8 · In service since 2010 · For families
- Concord Pointe Tax credit (LIHTC) 4400 Concord Pointe Ln SW, Concord 28027 104 low-income homes · 2 bd: 32 · 3 bd: 56 · 4 bd: 16 · In service since 1997 · For families
- Oak Crest Apts Tax credit (LIHTC) 1701 Oakcrest Dr, Kannapolis 28083 100 low-income homes · 2 bd: 40 · 3 bd: 48 · 4 bd: 12 · In service since 1997 · For families
- University Park Apartments HUD-assisted 1760 Citadel Ct, Kannapolis 28083 100 low-income homes · For families · (704) 933-2177
- Westgreen Apartments HUD-assisted 620 Atlantic Ct, Kannapolis 28081 100 low-income homes · For families · (704) 932-9177
- University Park Tax credit (LIHTC) 2137 University Dr, Kannapolis 28083 100 homes, 96 low-income · 2 bd: 30 · 3 bd: 40 · 4 bd: 30 · In service since 2015 · For families
- Autumn Crest Tax credit (LIHTC) 905 Sears St, Kannapolis 28083 87 low-income homes · 2 bd: 64 · 3 bd: 23 · In service since 2015 · For families
- Beechwood Place Tax credit (LIHTC) 850 Breeze Ct, Concord 28027 80 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 28 · 4 bd: 4 · In service since 2020 · For families
- Buffalo Terrace Tax credit (LIHTC) 307 Concord Pkwy N, Concord 28027 78 low-income homes · In service since 2020 · For families
- Patriots Pointe at Colonial Hills Tax credit (LIHTC) 3699 Patriots Place Dr, Concord 28025 76 low-income homes · 2 bd: 28 · 3 bd: 40 · 4 bd: 8 · In service since 2000 · For families
- Kimberly Ridge HUD-assisted 450 Cabarrus Arms Dr, Kannapolis 28081 76 homes, 69 low-income · For families · (704) 933-9513
- Brooke Pointe Manor Tax credit (LIHTC) 1415 Fairington Dr NW, Concord 28027 66 low-income homes · 1 bd: 36 · 2 bd: 30 · In service since 2013 · For older adults
- Poplar Crossing Commons Tax credit (LIHTC) 340 Poplar Crossing Dr NW, Concord 28027 66 low-income homes · 1 bd: 33 · 2 bd: 33 · In service since 2014 · For older adults
- Barringer's Trace Tax credit (LIHTC) 901 Ross Cir, Mt Pleasant 28124 64 low-income homes · 1 bd: 9 · 2 bd: 37 · 3 bd: 18 · In service since 2016 · For families
- Villas at Forest Park Tax credit (LIHTC) 300 Sandy Ct, Kannapolis 28083 64 low-income homes · 1 bd: 42 · 2 bd: 22 · In service since 2009 · For older adults
- Camilla Hill HUD-assisted 185 Wilkinson Ct SE, Concord 28025 60 low-income homes · For older adults · (704) 788-4351
- Coldwater Ridge Apartments Tax credit (LIHTC) 1800 Coldwater Lane, Kannapolis 28083 60 low-income homes · 2 bd: 36 · 3 bd: 24 · In service since 2017 · For families
- Prosperity Ridge Apartments Tax credit (LIHTC) 1430 El Paso St, Kannapolis 28083 60 low-income homes · 1 bd: 39 · 2 bd: 21 · For older adults
- Forest Park Crossing Tax credit (LIHTC) 1065 Ridgeway Dr, Kannapolis 28083 56 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 24 · In service since 2012 · For families
- Wesbury Apartments HUD-assisted 200 Bishop Ln, Concord 28025 50 low-income homes · For older adults · (704) 786-2300
- Fairington West Apartments Tax credit (LIHTC) 3140 Chapwin Cir NW, Concord 28027 48 low-income homes · 1 bd: 12 · 2 bd: 32 · 3 bd: 4 · In service since 1996 · For families
- Wellspring Village Tax credit (LIHTC) 3770 Wellspring Ct NW, Concord 28027 48 low-income homes · 1 bd: 38 · 2 bd: 10 · In service since 2009 · For older adults
- The Villas at Logan Gardens Tax credit (LIHTC) 210 Booker Dr SW, Concord 28025 44 low-income homes · 1 bd: 32 · 2 bd: 12 · In service since 2011 · For older adults
- Wesbury Plaza HUD-assisted 220 Bishop Ln, Concord 28025 40 low-income homes · For older adults · (704) 788-6200
- Coldwater Ridge HUD-assisted 2374 Coldwater Ridge Dr, Kannapolis 28083 54 homes, 6 low-income · (910) 670-9160
- CHC of Cabarrus County #2 HUD-assisted Ashlyn Drive, Concord 28025 7 homes, 6 low-income · For people with disabilities · (704) 723-4781
- Circle Drive Group Home HUD-assisted 900 Circle Dr, Mount Pleasant 28124 7 homes, 6 low-income · For people with disabilities · (704) 983-3911
- WNC Community Homes #3 HUD-assisted 495 Tripolis St SE, Concord 28025 7 homes, 6 low-income · For people with disabilities · (704) 788-9093
- CHC of Cabarrus County HUD-assisted 2158 Windermere Dr, Kannapolis 28083 6 low-income homes · For people with disabilities · (704) 933-7938
- Arc/HDS Cabarrus Co GH #1 HUD-assisted 1201 Chipola St, Kannapolis 28083 6 homes, 5 low-income · For people with disabilities · (704) 932-4172
- Arc/HDS Cabarrus Co GH #3 HUD-assisted 211 Long Ave NE, Concord 28025 6 homes, 5 low-income · For people with disabilities · (704) 788-8214
- Arc/HDS Piedmont Icf/MR Group Home HUD-assisted 1006 Michigan St, Kannapolis 28083 6 homes, 5 low-income · For people with disabilities · (704) 938-9712
- CAC of Cabarrus County #2 HUD-assisted 210 Misenheimer Dr NW, Concord 28025 5 low-income homes · For people with disabilities · (704) 245-5481
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Cabarrus County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Cabarrus County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $24,650 | $41,100 | $65,750 |
| 2 people | $28,200 | $47,000 | $75,150 |
| 3 people | $31,700 | $52,850 | $84,550 |
| 4 people | $35,200 | $58,700 | $93,900 |
| 5 people | $38,680 | $63,400 | $101,450 |
| 6 people | $44,360 | $68,100 | $108,950 |
| 7 people | $50,040 | $72,800 | $116,450 |
| 8 people | $55,720 | $77,500 | $123,950 |
Area median income: $117,400. HUD income limits by family size, Fiscal year 2026. Area: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,417 – $1,731
- 1 bedroom $1,476 – $1,804
- 2 bedrooms $1,607 – $1,964
- 3 bedrooms $1,961 – $2,397
- 4 bedrooms $2,496 – $3,050
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Housing Authority of the City of Concord Public housing and Section 8 vouchers · 569 vouchers · 174 public housing units (704) 920-6109 Housing Authority of the City of Concord: carrm@concordnc.gov
Housing agencies in North Carolina Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in North Carolina
What North Carolina law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 30 days
- N.C. Gen. Stat. § 42-52
- If I fall behind on rent, what notice must I get?
- 10 days
- N.C. Gen. Stat. § 42-3
- How much notice ends a month-to-month rental?
- 7 days
- N.C. Gen. Stat. § 42-14
- Only a court order can remove youN.C. Gen. Stat. § 42-25.6
- Protection from retaliationN.C. Gen. Stat. § 42-37.1(b)
Help
Where to get help with rent in Cabarrus County
This HUD-approved agency has an office in Cabarrus County. They counsel for free or at low cost.
-
Prosperity Unlimited, Inc
1660 Garnet St, Kannapolis
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 9 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Cabarrus County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in North Carolina, the average home bill was $144 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$3,570
What you need before you get the keys.
What adds up
- First month
- $1,785
- Security deposit
- $1,785
- Total
- $3,570
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Cabarrus County?
According to HUD (Fiscal year 2027): Studio: $1,574; 1 bedroom: $1,640; 2 bedrooms: $1,785; 3 bedrooms: $2,179; 4 bedrooms: $2,773. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Cabarrus County?
Paying the 2-bedroom fair market rent ($1,785) without spending more than 30% of income takes $34.33 an hour full time, or $71,400 a year.
Who qualifies for Section 8 in Cabarrus County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $58,700 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Cabarrus County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,607 and $1,964 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Cabarrus County?
For 2 bedrooms they run from $1,350 in 28081 to $2,680 in 28075. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Cabarrus County?
HUD lists 36 properties with homes for low-income households in Cabarrus County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Cabarrus County?
HUD counts rent as a burden when it reaches 30% of income or more. In Cabarrus County, 50% of renter households are in that position; in North Carolina, 49%, and nationwide, 51% (Average 2020–2024, Census).