Español

Este sitio también está en español. Leer en español

City · 27,556 residents · Mecklenburg County, North Carolina

Mint Hill , North Carolina

In Mint Hill, a typical home is worth $428,900 and typical rent is $1,528 a month. Compared with all of Mecklenburg County, typical household income is 16% higher, typical rent is 6% lower, and the share of households that own their home is 28 points higher.

WhatsApp

  • Typical home value

    $428,900

    5% above the county

    48% above North Carolina

    • Mint Hill
    • Mecklenburg
    • North Carolina

  • Typical rent

    $1,528a month

    6% below the county

    24% above North Carolina

    • Mint Hill
    • Mecklenburg
    • North Carolina

  • Typical household income

    $100,860a year

    16% above the county

    39% above North Carolina

    • Mint Hill
    • Mecklenburg
    • North Carolina

  • Households that own their home

    83%

    28 points above the county

    17 points above North Carolina

    • Mint Hill
    • Mecklenburg
    • North Carolina

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$508,614
0.5% more than 12 months ago
Typical rent
$1,650 a month
1.5% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Mint Hill is in Mecklenburg County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Mecklenburg County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mint Hill apart

What this place has that others do not, from public data, most unusual first.

  1. 83% of households in Mint Hill own their home, against 55% in Mecklenburg County.

  2. Nearby, in Unionville, the typical home value is $336,200: 22% less than in Mint Hill ($428,900).

  3. The typical household income in Mint Hill is $100,860, 16% more than in Mecklenburg County as a whole ($87,005).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Mint Hill

What homes there are in Mint Hill, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Mint Hill: 86% of homes, more than in Mecklenburg County (55%).

Year built

In Mint Hill, half of the homes were built before 1992; in Mecklenburg County, before 1997.

In Mint Hill, 87% of homes have 3 bedrooms or more, more than in Mecklenburg County (60%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,961 a month

Mecklenburg County: $1,893 a month

Without a mortgage

$599 a month

Mecklenburg County: $624 a month

Owners with a mortgage

70%

Mecklenburg County: 74%

In Mint Hill, 70% of owners have a mortgage; their typical cost is $1,961 a month, about the same as in Mecklenburg County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Mint Hill rose 60%; in Mecklenburg County, it rose 71%.

Since 2015–2019, the typical rent in Mint Hill rose 30%, less than in Mecklenburg County (42%).

The typical household income in Mint Hill rose 34% over that time; home values changed +60% and rent +30%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMint HillMecklenburg CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.5%7.1%5.5%
Homeowner vacancy Unreliable estimate0.7%1.3%0.9%
More than one person per room Unreliable estimate2.5%2.2%3.4%
People per household 2.682.442.442.53
Drive alone 70%59%72%69%
Carpool 8%8%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%29%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Mint Hill are bigger: 2.68 people on average; in Mecklenburg County, 2.44.

In Mint Hill, 70% of workers drive alone to work; in Mecklenburg County, 59%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Mint Hill?

A typical home costs more than the typical income allows

We start with a typical home in Mint Hill, worth $428,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Mint Hill, which is $100,860 a year. For that payment to be 28% of income, a household would need to earn about $148,319 a year.

The calculator's FHA and conventional loan limits are those of all of Mecklenburg County.

Your numbers

Local data
$

Starts at the typical home value in Mint Hill. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,012 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,461

at 7.18% · 30 years

Loan amount
$421,131
Total interest
$605,909
Paid off in
November 2056

Includes $7,243 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,353 a month

  • Tight

    $2,353 to $3,026 a month

  • Hard

    more than $3,026 a month

    Your payment · 41%

Compared with the typical household income in Mint Hill ($100,860 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,461
Principal & interest$2,853
Property tax$240
Home insurance$179
FHA mortgage insurance (MIP)$190

You need at least $15,012 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Mint Hill and Mecklenburg County

Mint Hill is in Mecklenburg County, North Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Mint Hill's own numbers

Typical home value
$428,900
Typical monthly rent
$1,528
Typical yearly household income
$100,860
Households that own their home
83%
Effective property tax rate
0.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Mecklenburg County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,785
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
0.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Mecklenburg County.

Everything about Mecklenburg County

Buying

Buying a home in Mint Hill

A typical home in Mint Hill is worth $428,900: 5% above the county and 48% above North Carolina. With the typical household income in Mint Hill ($100,860 a year), a typical home costs 4.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Mint Hill 4.3 years
  • Mecklenburg 4.7 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mecklenburg County

According to FHFA’s house price index, home prices in Mecklenburg County rose 129% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Mecklenburg County.

Period County North Carolina U.S.
Last year (2025) +2.5% +2.5% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +129% +107% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Mint Hill next to Mecklenburg County, North Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Mint Hill $428,900
  • Mecklenburg $406,800
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Mint Hill $1,528
  • Mecklenburg $1,627
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Mint Hill $100,860
  • Mecklenburg $87,005
  • North Carolina $72,388
  • United States $80,734
See the full table
Mint Hill next to Mecklenburg County and North Carolina
Measure Mint Hill Mecklenburg County North Carolina U.S.
Typical home value $428,900 $406,800 $288,900 $332,700
Typical monthly rent $1,528 $1,627 $1,228 $1,413
Typical yearly household income $100,860 $87,005 $72,388 $80,734
Households that own their home 83% 55% 67% 65%
Typical yearly property tax $2,866 $2,890 $1,896 $3,119
Effective property tax rate 0.67% 0.71% 0.66% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mecklenburg County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Mint Hill

For a typical $428,900 home in Mint Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mint Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,461a month

    Least cash to close
    Down payment
    $15,012
    Cash to close
    $27,879
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $190

  • Conventional, 5% down $3,382a month

    Down payment
    $21,445
    Cash to close
    $34,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $204

  • Conventional, 20% down, no PMI $2,743a month

    Down payment
    $85,780
    Cash to close
    $98,647
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,139a month

    Down payment
    $64,335
    Cash to close
    $77,202
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Mint Hill and for Mecklenburg County.

Property tax

Effective rate in Mint Hill

0.67%of the home’s value each year

$2,866 a year for the typical owner in Mint Hill.

  • Mint Hill 0.67%
  • Mecklenburg 0.71%
  • North Carolina 0.66%

What North Carolina publishes Elderly or Disabled Homestead Exclusion (North Carolina General Assembly (statute))

Exemptions and deadlines in North Carolina

Flood risk in Mecklenburg County

FEMA does not publish these numbers by city: they are for all of Mecklenburg County.

Homes in the high-risk zone
0.4%
1,182
Of those, with NFIP insurance
86%
County North Carolina U.S.
Homes in the high-risk zone 0.4% 2.8% 3.5%
Of those, with NFIP insurance 86% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mint Hill

Typical rent in Mint Hill is $1,528 a month: 6% below the county.

HUD publishes a fair market rent for all of Mecklenburg County, by unit size. To pay the 2-bedroom one ($1,785 a month) without spending more than 30% of your income, you would need to earn $34.33 an hour working full time.

HUD fair market rent for all of Mecklenburg County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
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

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Mint Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mint Hill is in ZIP code 28227.

For 2 bedrooms it is $1,770: $15 less than the fair market rent for Mecklenburg County ($1,785).

  • 28227 $1,770$2,160

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mint Hill when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Mint Hill

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Mecklenburg County; 3 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Mint Hill

No down payment, repair or rent-help program on our list is for Mint Hill or Mecklenburg County. The ones below are statewide in North Carolina: they work in Mint Hill the same as in the rest of the state.

Which programs do I qualify for? All programs in North Carolina

  • NC Home Advantage Mortgage

    Statewide in North Carolina

    NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Forgivable

    See the program Official page

  • NC 1st Home Advantage Down Payment

    Statewide in North Carolina

    A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Type not stated

    See the program Official page

  • Community Partners Loan Pool (CPLP)

    Statewide in North Carolina

    NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization. Offered by North Carolina Housing Finance Agency (NCHFA).

    Deferred

    See the program Official page

Housing counselors near Mint Hill

The HUD-approved agencies closest to the center of Mint Hill, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - National Counseling Center

    5855 Executive Center Dr Suite 400, Charlotte · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (606) 230-6222

  • NSC (naca Counseling Subsidiary) - Charlotte, NC

    5500 Executive Center Dr Ste 105, Charlotte · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (704) 536-7676

  • DreamKey Partners

    4601 Charlotte Park Dr Ste 350, Charlotte · 13 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (704) 342-0933

Every agency in Mecklenburg County All counseling agencies in North Carolina

Help in Spanish near Mint Hill

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Mint Hill

In HUD’s record, no housing authority with an office in Mecklenburg County is named for Mint Hill or Mecklenburg County.

One other authority has an office in Mecklenburg County: see the list Source: HUD

Cities

Other cities in Mecklenburg County

These cities are also in Mecklenburg County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Mecklenburg County Housing in North Carolina

Nearby cities

The cities closest to Mint Hill, with the typical home value.

Neighboring counties

If Mecklenburg County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Mint Hill.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Mint Hill

Short answers with the numbers for Mint Hill and all of Mecklenburg County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Mint Hill?

The typical home value in Mint Hill is $428,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mecklenburg County it is $406,800.

How much does it cost to rent in Mint Hill?

Typical rent in Mint Hill is $1,528 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mecklenburg County is $1,785.

What is the FHA loan limit in Mint Hill?

Mint Hill uses the FHA limit for all of Mecklenburg County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Mint Hill?

The typical homeowner in Mint Hill pays $2,866 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Mecklenburg County, the rate is 0.71%.

Where can I find free help to buy or rent in Mint Hill?

There are 4 HUD-approved counseling agencies with an office in Mecklenburg County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).