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Section 8 rent in Charlotte-Concord-Gastonia, NC-SC

FY2025 HUD Small Area Fair Market Rents for the Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area, covering 128 ZIP codes.

$1,735Avg 2BR FMR / mo
$1,908Avg 2BR at 110% Standard
128ZIP Codes

Fair market rent by bedroom count

Base SAFMR across all ZIP codes in this market. Housing authorities may set payment standards between 90% and 110% of these rates.

BedroomsLowest ZIPAverageHighest ZIPAvg 110% Standard
Studio$730$1,502$2,380$1,652
1 Bedroom$760$1,558$2,470$1,714
2 Bedrooms$930$1,735$2,740$1,908
3 Bedrooms$1,160$2,152$3,380$2,367
4 Bedrooms$1,350$2,708$4,280$2,979

Small multifamily Section 8 income

Estimated gross monthly and annual rent for 2-to-4 unit properties, assuming every unit is rented to Section 8 at this market's average fair market rent. Small multifamily is a favorite for long-term buy-and-hold investors stacking stable voucher income across multiple doors.

Property TypeUnit MixGross Monthly RentGross Annual Rent
Duplex2 × 2BR$3,470$41,640
Triplex3 × 2BR$5,205$62,460
Fourplex4 × 2BR$6,940$83,280
Fourplex4 × 3BR$8,608$103,296

Gross scheduled rent before vacancy, maintenance and management. Run any North Carolina multifamily listing through RealG to model it against real operating costs, or try the rental property calculator.

Highest-paying ZIP codes

Top 15 of 128 ZIP codes in this market, ranked by 2-bedroom SAFMR.

ZIP Code1BR2BR3BR4BR
28075 $2,470 $2,740 $3,380 $4,280
28203 $2,470 $2,740 $3,380 $4,280
28202 $2,280 $2,520 $3,110 $3,940
28277 $2,250 $2,490 $3,070 $3,890
28204 $2,240 $2,480 $3,060 $3,880
28079 $2,170 $2,400 $2,960 $3,750
28278 $2,040 $2,260 $2,790 $3,530
28078 $2,030 $2,250 $2,780 $3,520
28104 $2,030 $2,250 $2,780 $3,520
28273 $2,010 $2,230 $2,750 $3,490
28270 $2,000 $2,220 $2,740 $3,470
28173 $1,930 $2,140 $2,640 $3,350
28211 $1,910 $2,110 $2,600 $3,300
28262 $1,890 $2,090 $2,580 $3,270
28269 $1,880 $2,080 $2,570 $3,250

Quick cash flow check

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Estimate monthly cash flow renting to Section 8 at this market's average fair market rent.

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30-year fixed. Taxes and insurance estimated at 1.5% and 0.5% of price per year. Before vacancy, maintenance and management. For a full itemized analysis, run this market in RealG.

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Frequently asked questions

How much does Section 8 pay for a 2-bedroom in Charlotte-Concord-Gastonia, NC-SC?
For FY2025, the average 2-bedroom Small Area Fair Market Rent in the Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area is $1,735 per month, ranging from $930 to $2,740 depending on ZIP code. Local housing authorities may set payment standards between 90% and 110% of these rates, so the average 2-bedroom payment standard can reach $1,908.
What is a Small Area Fair Market Rent (SAFMR)?
SAFMRs are fair market rents that HUD publishes at the ZIP code level instead of one rate for a whole metro area. They reflect what modest rental housing actually costs in each ZIP, which means higher payment standards in more expensive neighborhoods. Housing choice voucher payments in this market are based on these rates.
Why do rents vary so much between ZIP codes here?
In Charlotte-Concord-Gastonia, NC-SC, 2-bedroom SAFMRs run from $930 to $2,740 per month. HUD sets each ZIP's rate from local rent data, so neighborhoods with stronger rental markets get higher voucher payment standards. For investors, the spread matters: the same house price can produce very different Section 8 rents a few ZIP codes apart.
How do I find Section 8 investment properties in North Carolina?
RealG searches live listings across North Carolina, runs Section 8 numbers on every property using these HUD rates, and grades each deal A through D against your buying criteria. You can start free with no credit card and see graded deals in this market in minutes.

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Every North Carolina listing analyzed against real HUD rates and graded A–D. The AI agent calls the sellers.

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