The median home in Matthews, North Carolina sold for $494,673 over the three months ending August 2026, took 44 days to find a buyer, and closed at 99.5% of asking, according to Redfin’s Matthews housing market data. In that same window, 33.4% of Matthews sales closed above list price and 31.0% of listings took a price cut on the way to a contract. Same town, same quarter, opposite outcomes.
What separates those sellers comes down to seven decisions, and they’re the same seven whether your address is on the Mecklenburg side of town or the Union County side. I’m Steve Jarrell, I lead The Longleaf Group at eXp Realty, and I work both sides of that county line every week. Every number below was pulled and checked in September 2026, and every one of them has a source you can click.
15 min read | By Steve Jarrell, The Longleaf Group at eXp Realty | Updated September 2026
Free · 26-Page Insider Guide
Selling in Matthews and wondering who is buying?
Towns compared, NC vs SC taxes and schools side by side, and the 5 mistakes out-of-state buyers make.
What This Guide Covers
- Which Matthews are you actually selling in?
- A third sold over asking, a third cut the price
- The 2027 revaluation is already being calculated
- What selling a house in Matthews actually costs at closing
- The form that has to exist before the offer does
- Your buyer will look up the road in front of your house
- Frequently asked questions about selling a house in Matthews NC
Which Matthews are you actually selling in?
Two different ZIP codes put “Matthews, NC” on the envelope, and over the three months ending August 2026 their median sale prices sat $214,407 apart. If you priced your house off Matthews comps you pulled online, that gap is mistake number one, and it happens before the sign ever goes in the yard.
ZIP 28105 covers the town of Matthews itself, in Mecklenburg County. Its median sale price was $485,290 across 136 sales, per Redfin’s 28105 data. ZIP 28104 carries a Matthews mailing address too, but the land is in Union County. Its median was $699,697 across 205 sales, per Redfin’s 28104 data. Same town name on the mail. Different county, different tax bill, different school district.
You can watch it happen in the school directory. Matthews Elementary at 200 East McDowell Street sits in 28105 and belongs to the Charlotte-Mecklenburg School District; it is rated 9 out of 10 by GreatSchools. Weddington Elementary School at 3927 Twelve Mile Creek Road has a Matthews address too, in 28104, and belongs to the Union County Public School District; it is rated 10 out of 10 by GreatSchools.
If you’re selling a house in Matthews, pricing starts right there, because buyers sort by school district long before they sort by street. Price off the wrong half of that split and your house lands on the wrong shortlist. The market tells you so, slowly, in days on market.
The Short Answer
Selling a house in Matthews NC in September 2026 means listing into what Redfin calls a somewhat competitive market: the median home sold for $494,673 in 44 days at 99.5% of asking over the three months ending August 2026, and nearly a third of listings cut their price along the way. Price against your own ZIP code and county, not the town name.
Key numbers, Matthews NC, three months ending August 2026 (sources: Redfin, Mecklenburg County, NCDOT):
- Median sale price $494,673, down 3.9% year over year
- 44 median days on market, 8 days longer than a year ago
- 33.4% of sales closed above list, 31.0% of listings took a price cut
- $214,407 median gap between ZIP 28105 and ZIP 28104
- Mecklenburg County tax rate holds at 49.27 cents per $100 for FY2027
- County revaluation date is January 1, 2027, median residential review up about 15%
This is the part that quietly costs people money. Your mailing address says Matthews, and so does the one on a house two miles away, and the two of you can still be pricing into completely different markets. When I price a Matthews address, the first thing I settle is which county the parcel sits in and which district it feeds, because that pair sets the tax bill and the buyer pool before anything about the house itself matters.
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A third sold over asking. A third cut the price.
Over the three months ending August 2026, Redfin recorded 33.4% of Matthews sales closing above list price, while 31.0% of Matthews listings took a price cut on the way to a contract. Two groups of nearly the same size, at opposite ends of the same quarter. The house is rarely what separates them. The asking price is.
Look at the rest of the Matthews housing market picture and it gets clearer. Redfin scores Matthews 65 out of 100 on its Compete Score and labels that somewhat competitive, against 54 for Charlotte. Redfin’s average Matthews home goes under contract in roughly 43 days, which squares with the 44-day median. The homes it flags as hot sell for about 2% above asking and go pending in around 20 days.
So the market is not slow. It’s selective. A correctly priced Matthews listing moves in about three weeks, which is where those hot homes land. An optimistic one runs out past the 44-day median, collects no offers, takes a cut, and then sells for less than it would have brought in week one, because by then buyers have watched it sit. That pattern is the single most expensive thing about selling a house in Matthews.
Call that two more mistakes: leaving room to negotiate, and treating the first two weeks as a trial run. The first two weeks are the whole audition. Your listing gets its largest audience the day it goes live and never gets that audience back.
Mistake four is reading 44 days on market as 44 days to done. Days on market ends at contract, not at closing. In North Carolina you still have due diligence, an appraisal, and a closing handled through an attorney after that, and none of it starts until you have an offer.
| Measure | Matthews (town) | ZIP 28105 | ZIP 28104 |
|---|---|---|---|
| Median sale price | $494,673 | $485,290 | $699,697 |
| Change year over year | -3.9% | -2.8% | +2.9% |
| Homes sold | 95 | 136 | 205 |
| Median days on market | 44 | 46 | 47 |
| Sale-to-list price | 99.5% | 99.2% | 98.7% |
| Sold above list price | 33.4% | 31.1% | 25.6% |
| Listings with a price cut | 31.0% | 33.2% | 32.7% |
| County | Mecklenburg | Mecklenburg | Union |
Find your own ZIP code in that table before you read anything else into it. Put the price row against the two rows under it and the tradeoff shows itself. The Union County side of the Matthews mailing address carries a median about $214,000 higher and a smaller share of homes selling over asking, so sellers there hold more value per house and fewer of them get a bidding war to lean on. Neither side is the better place to own. They’re different markets that share a post office.
The 2027 revaluation is already being calculated
Mecklenburg County’s next property revaluation carries a value date of January 1, 2027, and the county is working on it right now. That changes the calendar if you’re thinking about listing this year. On September 1, 2026 the Office of Tax Administration told the Board of County Commissioners that 428,506 parcels had been through an initial review, that the median residential increase so far runs about 15%, and that commercial runs about 30%. New values get announced and notices mailed in early 2027, per Mecklenburg County’s revaluation update.
Mistake five is waiting for that notice to “prove” what your house is worth. It won’t. An assessment is a mass-appraisal number set for taxing purposes on a date in the past. Buyers don’t pay from it. They price against recent sales, which is what the South Charlotte market data tracks.
What the revaluation does change is your buyer’s long-run math. Mecklenburg County’s rate holds at 49.27 cents per $100 of assessed value for FY2027, which took effect July 1, 2026 and is billed on today’s values, per the county’s published tax rate and the adopted FY2027 budget. The new January 2027 values show up on the bills that follow those notices, not on the one being paid now. Hold the rate flat and raise the value 15%, and the county line on that future bill rises with it unless commissioners cut the rate.
Here’s the part worth planning around. Buyers touring Matthews in spring 2027 will be holding a fresh assessment notice while they write offers. Sellers who close before those notices land are negotiating against a tax bill both sides already know. Sellers who close after are answering questions about a number that just moved on paper. That’s an argument for going earlier rather than sitting on the sidelines to see what the county says.
Also worth keeping straight: your town bill and your county bill are separate lines. Matthews charges a municipal rate on top of the county rate, and homes on the 28104 side pay Union County’s rate instead of Mecklenburg’s, plus whatever municipality they sit in. Whatever your parcel actually owes, pull the real bill rather than multiplying a rate by a guess.
What selling a house in Matthews actually costs at closing
North Carolina charges an excise tax on the deed, and the seller pays it. Under G.S. 105-228.30, the rate is one dollar for every $500 of the sale price or any fraction of it, and the transferor pays it to the register of deeds before the instrument gets recorded. On a $494,673 sale, the Matthews median for the three months ending August 2026, that’s $990.
Nine hundred and ninety dollars won’t change your life, and it’s one of the smaller lines on the settlement statement. Finding it there for the first time is how a smooth closing turns tense at the table. That’s mistake six: building your net number out of the sale price and the payoff, and leaving out the line items that only appear at the end.
The ones that catch Matthews sellers most often are prorated county and municipal property taxes through the closing date, an HOA statement-of-account fee if your neighborhood has an association, repairs negotiated after due diligence, and any seller-paid closing costs the buyer asked for. North Carolina closings are handled through a real estate attorney, so there’s an attorney line as well, and who pays which piece of it is negotiated in the contract.
Build the net sheet before you set the price, not after you get the offer. A seller who knows their walk-away number can say yes in an hour. A seller who is still doing arithmetic loses two days, and a strong offer is not obligated to wait around. In a market where nearly a third of listings end up cutting the price, the offer you hesitate on is often the best one you see.
If you take one number out of all this, take the list price. Everything else on this page is either a cost you can predict or a form you can fill out ahead of time. The list price is the one decision that’s yours alone, and it’s the one the market answers back on. Set it where the comps in your own county and your own district put it, and most of the rest of this gets a lot shorter.
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Book a 15-minute call →The form that has to exist before the offer does
North Carolina requires most residential sellers to hand the buyer two disclosure forms before an offer is made, not after. They are the Residential Property and Owners’ Association Disclosure Statement, known as the RPOADS, and the Mineral and Oil and Gas Rights Mandatory Disclosure Statement, known as the MOGS. This applies to anyone selling a house in Matthews regardless of which county the parcel sits in.
The North Carolina Real Estate Commission’s bulletin on the requirement spells out the consequence of getting the timing wrong. A seller or listing agent who fails to deliver a completed statement before an offer is extended opens the door for the buyer to rescind the contract within three days of contract formation or three days of receiving the statement, whichever comes first.
Read that again as a seller. You can have a signed contract, a buyer who is thrilled, and a three-day exit you handed them with a piece of paperwork nobody finished. That’s mistake seven, and it is the cheapest one on this list to avoid. Fill the forms out in the week you decide to sell, before the sign goes up.
One thing worth knowing about the RPOADS itself: every question offers a “no representation” option, so the form does not force you to disclose. What it does force is a choice. If you answer yes or no, you can be held to the accuracy of that answer, and separately your broker still has to disclose any material fact they know about, whatever the form says. Answer carefully, and answer once.
Your buyer will look up the road in front of your house
Two road projects are reshaping the Matthews area right now, and a buyer relocating here from out of state will find both of them in a few minutes of searching. If you’re selling a house in Matthews near either one, knowing what they’ll read is part of setting a price that holds.
The first is Idlewild Road. NCDOT awarded an $8.7 million contract to widen a half-mile section between Interstate 485 and Stallings Road from two lanes to a four-lane divided road, realign Stallings Road further from the interstate, build a dual-lane roundabout where the two meet, and add crosswalks and sidewalks. NCDOT scheduled completion for fall 2026, with vegetation work running into spring 2027, per its contract announcement.
The second is bigger. NCDOT is planning and developing a widening of roughly 6.5 miles of East John Street and Old Monroe Road, from Trade Street in downtown Matthews out to Wesley Chapel Stouts Road, in five separate sections through Matthews, Stallings and Indian Trail, per the NCDOT project page. East John Street is the main east-west route through the middle of town, so this one touches a lot of addresses.
If your house sits on or near either corridor, a buyer is going to raise it. You have two reasonable answers and one bad one. You can price it in, or you can frame it accurately as short-term construction ahead of a wider road, which is what it is. The bad answer is letting them discover it after they’ve toured, because then it stops being a road project and starts being something you didn’t mention.
This is where the marketing plan earns its keep. A virtual tour and single-property site, followed by custom audience marketing, puts the house in front of buyers who have already weighed the location. That beats waiting to see who wanders in during the first two weeks.
Frequently Asked Questions About Selling a House in Matthews NC
How much is my Matthews NC home worth?
The median home in Matthews, North Carolina sold for $494,673 over the three months ending August 2026, down 3.9% from the same period a year earlier, according to Redfin. That median is a starting point and not an answer for your address, because ZIP 28105 in Mecklenburg County ran a $485,290 median while ZIP 28104 on the Union County side ran $699,697. Price from comps inside your own county, school district and neighborhood, adjusted for condition and lot, rather than from a town-wide median.
How long does it take to sell a home in Matthews NC?
The median Matthews home went under contract in 44 days over the three months ending August 2026, which is 8 days longer than the same window a year earlier, per Redfin. Homes Redfin flags as hot went pending in around 20 days. Days on market ends at contract, so add due diligence, the appraisal and an attorney-handled closing on top of that number when you plan your move.
What should I fix before I list a home?
Fix the items a buyer’s inspector will find and a buyer will reprice, and skip the ones that only satisfy you. Roof, HVAC, water intrusion, deck and rail safety, and anything actively leaking are worth handling first. Whatever you choose not to fix becomes a known issue you and your broker have to disclose, so decide with that in mind. In Matthews in the three months ending August 2026, 31.0% of listings took a price cut before they ever went under contract, and repair credits negotiated after due diligence come off the sale price on top of that.
What does it cost to sell a house in North Carolina?
Selling a house in Matthews carries the same state costs as anywhere in North Carolina, starting with an excise tax of one dollar per $500 of the sale price or any fraction of it, which the seller pays before the deed is recorded under G.S. 105-228.30. On the $494,673 Matthews median that comes to $990. Add prorated county and municipal property taxes through closing, brokerage compensation as negotiated in your listing agreement, an HOA statement fee if your neighborhood has an association, attorney and closing charges, and any repairs or buyer costs you agree to in the contract.
Should I stage my home?
Stage the rooms buyers photograph and walk through first, and treat it as a pricing tool rather than decoration. Matthews sold at 99.5% of list price over the three months ending August 2026 and 33.4% of sales cleared asking, so presentation is competing for the top of a narrow band, not rescuing a bad number. If your budget is limited, put it into light, paint, decluttering and professional photography before furniture rental.
What are the best months to sell a home in Matthews?
Spring into early summer still draws the deepest buyer pool in Matthews, but 2027 carries a local wrinkle. Mecklenburg County’s revaluation has a value date of January 1, 2027 and notices are scheduled to mail in early 2027, with the median residential increase after initial review running about 15%. Sell before those notices arrive and you’re negotiating against a tax bill both sides already know. Sell after and you’re answering questions about a number that just moved.
About the Author
Steve Jarrell is a licensed North Carolina and South Carolina broker and team lead of The Longleaf Group at eXp Realty, which he runs with his wife Amanda, a realtor and his partner on every part of the business. He lives in Weddington, about fifteen minutes from downtown Matthews, and works listings on both sides of the Mecklenburg and Union county line, which is exactly where that ZIP-code split bites.
Before real estate, Steve joined VisualTour as President, led its rebrand to Paradym, and led the company through its 2020 acquisition by Constellation Software. He spent that decade building the marketing tools listing agents use, which is why a Longleaf listing plan starts with how a buyer finds the house online rather than with a sign in the yard. The Longleaf Group is an eXp ICON Team with 140+ five-star reviews.
If you’re weighing a 2026 listing against waiting for the 2027 revaluation notice, that is a twenty-minute conversation with your actual tax bill and your actual comps in front of you. Call or text 704-774-7170, or email steve@jarrellhomes.com.