Charlotte, NY housing market
No new homes were permitted in 2025.
Home values, sales, trends and how Charlotte compares with the towns next door — updated as new data is published.
No new homes permitted in 2025
No permits for new homes were issued in Charlotte in 2025. The last year with any was 2024 (3 new homes).
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Charlotte's population fell by 202 even though 51 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across New York: 2.2 new residents per new home.
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 3 | 3 | 0 | $257,000 |
| 2025 | 0 | 0 | 0 | — |
| 2024 | 3 | 3 | 0 | $140,000 |
| 2023 | 1 | 1 | 0 | $100,000 |
| 2022 | 6 | 6 | 0 | $826,000 |
| 2021 | 5 | 5 | 0 | $366,000 |
| 2020 | 13 | 13 | 0 | $886,000 |
| 2019 | 11 | 11 | 0 | $750,000 |
| 2018 | 11 | 11 | 0 | $750,000 |
| 2017 | 11 | 11 | 0 | $750,000 |
| 2016 | 2 | 2 | 0 | $375,000 |
| 2015 | 3 | 3 | 0 | $400,000 |
| 2014 | 1 | 1 | 0 | $200,000 |
| 2013 | 3 | 3 | 0 | $300,000 |
| 2012 | 3 | 3 | 0 | $300,000 |
| 2011 | 4 | 4 | 0 | $400,000 |
| 2010 | 2 | 2 | 0 | $150,000 |
| 2009 | 7 | 7 | 0 | $498,000 |
| 2008 | 9 | 9 | 0 | $640,000 |
| 2007 | 0 | 0 | 0 | — |
| 2006 | 7 | 7 | 0 | $1.1 million |
| 2005 | 8 | 8 | 0 | $1.2 million |
| 2004 | 1 | 1 | 0 | $20,000 |
| 2003 | 5 | 5 | 0 | $279,000 |
| 2002 | 12 | 12 | 0 | $840,000 |
| 2001 | 7 | 7 | 0 | $178,000 |
| 2000 | 7 | 7 | 0 | $650,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
Charlotte and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | New homes 2025 | Median income |
|---|---|---|---|---|---|
| Charlotte | — | — | $1,120 | 0 | $61,082 |
| Gerry | $181K | +7.3% | $1,240 | 3 | $68,667 |
| Arkwright | — | — | $1,070 | 3 | $93,000 |
| Cherry Creek | $170K | +6.7% | $1,010 | 0 | $57,058 |
| Stockton | $148K | +8.4% | $1,030 | 3 | $73,500 |
| Sinclairville | $170K | +5.8% | $1,160 | 0 | $48,214 |
| Villenova | — | — | $1,090 | 0 | $64,185 |
1.8 years of income
The typical Charlotte home costs about 1.8 years of the town's median household income, less than across New York (6.1 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,120
HUD's Fair Market Rent for a two-bedroom in Charlotte is $1,120 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Charlotte pay a median of $648, so moving in tends to cost more than staying put. A two-bedroom takes about 22% of the town's median household income.
Studio $780 · 4 bedrooms $1,490
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (14718, 14723, 14782; Chautauqua County, NY), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.