Look up HUD rent benchmarks by bedroom and ZIP code, then estimate cash flow with your own price and costs.
HUD rent dataCharlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area
3-bedroom gross-rent benchmark
$2,076 / month
-7.7% from FY2025.
FY2026 · effective Oct 1, 2025
Includes tenant-paid utilities. A benchmark, not an approved rent or property-specific estimate.
Published rent benchmarks
FY2025
$2,250
FY2026
$2,076
FY2027
$2,179
HUD schedules for the selected bedroom count. Changes are not a rent forecast.
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area · Monthly gross rents
Bedroom count
FY2025
FY2026 · current
FY2027 · upcoming
Studio
$1,586
$1,469
$1,574
1 bedroom
$1,647
$1,538
$1,640
2 bedrooms
$1,824
$1,686
$1,785
3 bedrooms
$2,250
$2,076
$2,179
4 bedrooms
$2,852
$2,637
$2,773
FY2026 HUD area coverage: Cabarrus County, NC; Gaston County, NC; Mecklenburg County, NC; Union County, NC; York County, SC. ZIP schedules may cover portions of this area.
Compare rents by ZIP code
Monthly HUD gross-rent benchmarks, including tenant-paid utilities. Choose 2–4 ZIPs to compare.
129 ZIP codes across published schedules
ZIP rent table
FY2026 monthly gross rents by ZIP.
ZIP
Studio
1 bedroom
2 bedrooms
3 bedrooms
4 bedrooms
$1,080
$1,130
$1,240
$1,640
$2,020
$1,290
$1,350
$1,480
$1,820
$2,310
$920
$960
$1,060
$1,300
$1,650
$890
$930
$1,030
$1,320
$1,610
$1,250
$1,310
$1,440
$1,770
$2,250
$1,320
$1,380
$1,510
$1,860
$2,360
$1,450
$1,510
$1,660
$2,040
$2,600
$1,650
$1,720
$1,890
$2,330
$2,960
$1,160
$1,200
$1,330
$1,630
$2,070
$840
$880
$960
$1,270
$1,570
$910
$950
$1,050
$1,290
$1,630
$1,560
$1,630
$1,790
$2,200
$2,800
$1,690
$1,770
$1,940
$2,410
$3,050
$1,110
$1,160
$1,270
$1,560
$1,990
$1,120
$1,180
$1,290
$1,590
$2,020
$1,310
$1,370
$1,500
$1,850
$2,350
$1,120
$1,180
$1,290
$1,590
$2,020
$1,130
$1,190
$1,300
$1,600
$2,030
$1,560
$1,630
$1,790
$2,200
$2,800
$900
$940
$1,160
$1,540
$1,870
$2,200
$2,310
$2,530
$3,120
$3,960
$810
$840
$930
$1,140
$1,450
$1,820
$1,910
$2,090
$2,570
$3,270
$1,930
$2,030
$2,220
$2,730
$3,470
$1,120
$1,160
$1,280
$1,780
$2,110
$1,050
$1,080
$1,250
$1,580
$2,010
$1,320
$1,380
$1,510
$1,860
$2,360
$1,140
$1,180
$1,330
$1,670
$2,130
$800
$820
$970
$1,320
$1,410
$890
$920
$1,010
$1,400
$1,680
$800
$810
$950
$1,290
$1,520
$1,240
$1,300
$1,420
$1,750
$2,220
$1,180
$1,230
$1,350
$1,660
$2,110
$1,050
$1,090
$1,200
$1,480
$1,880
$1,780
$1,860
$2,040
$2,510
$3,190
$1,640
$1,720
$1,880
$2,320
$2,940
$1,560
$1,630
$1,790
$2,200
$2,800
$1,130
$1,180
$1,300
$1,610
$2,040
$1,620
$1,700
$1,860
$2,290
$2,910
$1,350
$1,410
$1,550
$1,910
$2,420
$1,430
$1,500
$1,640
$2,020
$2,560
$1,120
$1,170
$1,280
$1,580
$2,000
$1,190
$1,250
$1,370
$1,690
$2,140
$1,080
$1,140
$1,260
$1,570
$1,970
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$850
$930
$1,200
$1,440
$1,760
$1,650
$1,720
$1,890
$2,330
$2,960
$850
$940
$1,230
$1,470
$1,790
$990
$1,000
$1,240
$1,620
$2,070
$1,100
$1,150
$1,260
$1,620
$2,020
$1,730
$1,820
$1,990
$2,450
$3,110
$1,080
$1,130
$1,250
$1,530
$1,950
$2,200
$2,310
$2,530
$3,120
$3,960
$2,200
$2,310
$2,530
$3,120
$3,960
$2,020
$2,120
$2,320
$2,860
$3,630
$1,410
$1,480
$1,620
$2,000
$2,530
$1,280
$1,340
$1,470
$1,810
$2,300
$1,600
$1,680
$1,840
$2,270
$2,880
$1,280
$1,340
$1,470
$1,810
$2,300
$1,630
$1,710
$1,870
$2,300
$2,920
$1,640
$1,720
$1,880
$2,320
$2,940
$1,730
$1,820
$1,990
$2,450
$3,110
$1,480
$1,550
$1,700
$2,090
$2,660
$1,380
$1,440
$1,580
$1,950
$2,470
$1,580
$1,650
$1,810
$2,230
$2,830
$1,510
$1,580
$1,730
$2,130
$2,710
$1,550
$1,620
$1,780
$2,190
$2,780
$1,710
$1,790
$1,960
$2,410
$3,070
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,610
$1,690
$1,850
$2,280
$2,890
$1,560
$1,630
$1,790
$2,200
$2,800
$1,500
$1,570
$1,720
$2,120
$2,690
$1,590
$1,660
$1,820
$2,240
$2,850
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,730
$1,820
$1,990
$2,450
$3,110
$1,560
$1,630
$1,790
$2,200
$2,800
$1,730
$1,820
$1,990
$2,450
$3,110
$1,770
$1,850
$2,030
$2,500
$3,170
$1,560
$1,630
$1,790
$2,200
$2,800
$1,860
$1,940
$2,130
$2,620
$3,330
$1,600
$1,680
$1,840
$2,270
$2,880
$2,030
$2,130
$2,330
$2,870
$3,640
$1,810
$1,900
$2,080
$2,560
$3,250
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$1,560
$1,630
$1,790
$2,200
$2,800
$780
$820
$930
$1,160
$1,390
$1,330
$1,400
$1,530
$1,880
$2,390
$970
$1,000
$1,120
$1,400
$1,740
$760
$760
$990
$1,380
$1,450
$1,630
$1,710
$1,870
$2,300
$2,920
$1,400
$1,470
$1,610
$1,980
$2,520
$1,090
$1,120
$1,330
$1,730
$2,010
$1,560
$1,630
$1,790
$2,200
$2,800
$1,330
$1,400
$1,530
$1,880
$2,390
$1,110
$1,160
$1,270
$1,560
$1,990
$950
$990
$1,090
$1,340
$1,700
$1,310
$1,380
$1,510
$1,860
$2,360
$1,330
$1,400
$1,530
$1,880
$2,390
$1,320
$1,380
$1,510
$1,860
$2,360
$1,310
$1,380
$1,510
$1,860
$2,360
$1,330
$1,400
$1,530
$1,880
$2,390
$1,140
$1,190
$1,330
$1,650
$2,060
$820
$850
$970
$1,200
$1,490
$970
$1,010
$1,110
$1,370
$1,740
Choose up to four ZIPs.
Local rental households
2020–2024 ACS 5-year. Figures cover the selected county, which may be only part of the current HUD rental area.
Cabarrus County, North Carolina
Rental households
Rental households
24,288
Share of occupied homes rented
28.8%
Rent burden
Spend 30%+ of income on rent
50.0%
Spend 50%+ of income on rent
22.4%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
48.6%
Buildings with 2–4 units
9.5%
Buildings with 5+ units
33.8%
Other rental homes
8.0%
Estimates & margins of error
Cabarrus County, North Carolina · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
24,288
±1,180
Share of occupied homes rented
28.8%
±1.4 percentage points
Spend 30%+ of income on rent
50.0%
±3.9 percentage points
Spend 50%+ of income on rent
22.4%
±2.7 percentage points
Single-unit homes
48.6%
±3.2 percentage points
Buildings with 2–4 units
9.5%
±1.5 percentage points
Buildings with 5+ units
33.8%
±2.9 percentage points
Other rental homes
8.0%
±2.1 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Gaston County, North Carolina
Rental households
Rental households
31,022
Share of occupied homes rented
33.2%
Rent burden
Spend 30%+ of income on rent
50.6%
Spend 50%+ of income on rent
26.8%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
48.4%
Buildings with 2–4 units
13.9%
Buildings with 5+ units
29.1%
Other rental homes
8.6%
Estimates & margins of error
Gaston County, North Carolina · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
31,022
±1,028
Share of occupied homes rented
33.2%
±1.1 percentage points
Spend 30%+ of income on rent
50.6%
±3.0 percentage points
Spend 50%+ of income on rent
26.8%
±2.2 percentage points
Single-unit homes
48.4%
±2.5 percentage points
Buildings with 2–4 units
13.9%
±1.7 percentage points
Buildings with 5+ units
29.1%
±2.2 percentage points
Other rental homes
8.6%
±1.4 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Mecklenburg County, North Carolina
Rental households
Rental households
209,360
Share of occupied homes rented
44.9%
Rent burden
Spend 30%+ of income on rent
49.4%
Spend 50%+ of income on rent
23.4%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
29.8%
Buildings with 2–4 units
6.6%
Buildings with 5+ units
62.0%
Other rental homes
1.6%
Estimates & margins of error
Mecklenburg County, North Carolina · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
209,360
±2,911
Share of occupied homes rented
44.9%
±0.6 percentage points
Spend 30%+ of income on rent
49.4%
±1.2 percentage points
Spend 50%+ of income on rent
23.4%
±0.9 percentage points
Single-unit homes
29.8%
±1.0 percentage points
Buildings with 2–4 units
6.6%
±0.5 percentage points
Buildings with 5+ units
62.0%
±1.4 percentage points
Other rental homes
1.6%
±0.3 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Union County, North Carolina
Rental households
Rental households
15,459
Share of occupied homes rented
18.4%
Rent burden
Spend 30%+ of income on rent
43.2%
Spend 50%+ of income on rent
19.7%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
66.2%
Buildings with 2–4 units
10.4%
Buildings with 5+ units
17.1%
Other rental homes
6.4%
Estimates & margins of error
Union County, North Carolina · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
15,459
±958
Share of occupied homes rented
18.4%
±1.1 percentage points
Spend 30%+ of income on rent
43.2%
±3.3 percentage points
Spend 50%+ of income on rent
19.7%
±2.4 percentage points
Single-unit homes
66.2%
±4.3 percentage points
Buildings with 2–4 units
10.4%
±2.4 percentage points
Buildings with 5+ units
17.1%
±2.8 percentage points
Other rental homes
6.4%
±1.8 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
York County, South Carolina
Rental households
Rental households
28,979
Share of occupied homes rented
25.5%
Rent burden
Spend 30%+ of income on rent
50.6%
Spend 50%+ of income on rent
23.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
29.4%
Buildings with 2–4 units
8.9%
Buildings with 5+ units
50.3%
Other rental homes
11.4%
Estimates & margins of error
York County, South Carolina · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
28,979
±1,278
Share of occupied homes rented
25.5%
±1.1 percentage points
Spend 30%+ of income on rent
50.6%
±3.5 percentage points
Spend 50%+ of income on rent
23.1%
±2.7 percentage points
Single-unit homes
29.4%
±2.5 percentage points
Buildings with 2–4 units
8.9%
±1.5 percentage points
Buildings with 5+ units
50.3%
±3.7 percentage points
Other rental homes
11.4%
±2.4 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Census sources & definitions
2020–2024 ACS 5-year combines five years of survey responses. These describe the survey period, not today’s market. Rental households are renter-occupied homes. Housing types refer to the building containing each rental; “other” includes mobile homes, boats, RVs and similar housing.
Source: U.S. Census Bureau, tables B25003, B25070 and B25032. Statistical guidance. Data checked Sep 22, 2026. Rental Wire is not affiliated with or endorsed by the Census Bureau.
Start with the HUD benchmark or enter your expected lease rent. Price and cost defaults are examples, not local estimates.
Monthly cash flow before income tax
$215
Based on example price and costs. Edit them for your property.
Lease rent used
$1,926
Upfront cash
$53,500
Sources, dates & coverage
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area. HUD area ID: METRO16740M16740. Coverage: Cabarrus County, NC; Gaston County, NC; Mecklenburg County, NC; Union County, NC; York County, SC.
HUD gross-rent benchmarks include tenant-paid basic utilities, excluding phone, cable and internet. They are not asking-rent quotes, approved Section 8 rents or housing-authority payment standards.
HUD data checked Sep 22, 2026. Changes can reflect methodology and geographic coverage as well as rents. Missing data and figures that cannot be compared are marked unavailable. Future schedules are labelled upcoming.
Source: U.S. Department of Housing and Urban Development. HUD public-domain reuse policy, section 1.D. Rental Wire is not affiliated with or endorsed by HUD. Retain the source, geography and fiscal year when sharing data.
Calculation assumptions
Cash flow is rent less vacancy, operating costs, replacement reserves and fixed-rate mortgage payments, including principal. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. The target price uses the same rent, expense amounts, mortgage rate, down-payment percentage and closing-cost percentage. Property taxes and lender terms may change with the actual purchase price.
When using a HUD benchmark, we subtract tenant-paid utilities to estimate lease rent. Custom rent is used as entered. Add utilities you pay to operating costs. This does not determine a voucher subsidy or a housing authority's approved rent.