The story of this market
The typical home in Cleveland County, North Carolina sells for about $259,221, or $160 per square foot.
Prices are roughly flat from a year ago (+0.5%), a market in balance. Homes take about 53 days to sell. Over the long run, values in this county have grown 100% since 2000. Last year 10 of 21 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is ice storm, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+21.4%). Worst: 2010 (-4.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.7%
NC · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,404
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 21 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
42
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $27,288,866.
Mortgage activity
Home lending in this county
70.3%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3887 | 1847 | 70.3% | 4.2% | $145,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cleveland County, North Carolina
The Cleveland County housing market is experiencing modest price appreciation with a median sale price of $259,221. Inventory levels have risen to 420 active listings as of August 2026, while market pace remains steady with a median of 53 days on market.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 1 city · 1 ZIP report
Median prices moved up 0.0% year over year.
Homes spend a median of 118 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 0.14% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 0.0% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 15, 2026.
No researched ZIP reports yet — ZIP discovery runs with the county's first refresh, and each ZIP's intel report appears here once its research lands.
The county economy is supported by a mix of private goods-producing industries, with an unemployment rate of 4.2% as of May 2026.
- Lake Hickory Haunts4.529.3 mi
- The Big E Gaffney4.420.4 mi
- Sky Zone Trampoline Park4.428.9 mi
- Altitude Trampoline Park - Gastonia3.928.7 mi
- Monster Mini Golf Gastonia4.928.6 mi
- Strawberry Hill USA- PRODUCE SHED4.724.6 mi
- Visit Hickory NC | Hickory Metro Convention Center & Visitors Bureau4.629.3 mi
- Veronét Vineyards & Winery4.718.5 mi
- Lake Hickory Haunts4.529.3 mi
- Hickory Motor Speedway4.529.8 mi
- Crowders Mountain State Park4.819.7 mi
- South Mountains State Park4.917.9 mi
- Cowpens National Battlefield Visitor Center4.719.7 mi
- High Shoals Falls4.816.1 mi
- Kings Mountain National Military Park4.819.9 mi
- The Schiele Museum of Natural History & Planetarium4.626.2 mi
- Kings Mountain State Park4.620.6 mi
- Catawba Science Center4.430 mi
- Gamers Alley4.727.3 mi
- Henry River Mill Village4.325.1 mi
- Crowders Mountain State Park4.819.7 mi
- South Mountains State Park4.917.9 mi
- Kings Mountain National Military Park4.819.9 mi
- Shelby City Park4.65.3 mi
- Lake Houser Adventures Off-Road Park4.611.5 mi
- Lake James Camping Resort & Marina4.229.6 mi
- Mimosa Boat Landing4.529.6 mi
- River Bend YMCA Golf Course4.67.7 mi
- Woodbridge Golf Links3.910.5 mi
- Crowders Mountain Golf Course3.919.9 mi
- Cherryville Golf and Country Club4.514.1 mi
- Forest City Municipal Golf Course415.5 mi
- Ingles Markets4.515.9 mi
- Cleveland Mall3.99.3 mi
- Hamrick's of Gaffney, SC4.519.9 mi
- Ingles Markets4.513.8 mi
- Ingles Markets4.44.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data sourced from Data Commons and BLS.
applies when — Applies to parcels where the title holder has created or is subject to recorded easements, restrictions, or conditions.
Imposes binding limitations on the use, development, or maintenance of the parcel as defined in the recorded instrument.
N.C. Gen. Stat. § 39-6.4
A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created.
N.C. Gen. Stat. § 105-355
applies when — Applies to parcels governed by a Homeowners' Association (Chapter 47F) or Condominium Association (Chapter 47C) where assessments remain unpaid.
Associations may file a claim of lien and foreclose in a manner similar to a mortgage under power of sale, or through a civil action.
N.C. Gen. Stat. § 47F-3-116 and § 47C-3-116
Allows for non-judicial foreclosure, though it requires a hearing before the Clerk of Superior Court to authorize the sale. Borrowers are entitled to a pre-foreclosure notice at least 45 days prior to the filing of a notice of hearing for primary residences.
N.C. Gen. Stat. Chapter 45, Article 2A and Article 11
Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate. Assessment is based on the true value in money, with counties required to conduct revaluations at least every eight years.
N.C. Gen. Stat. Chapter 105, Article 12 (2025)
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.