A 2022 Redfin study showed that buyers needed to earn $70,235 per year to afford a median-priced home in Charlotte. However, the math isn’t quite so simple. Determining whether you can buy a house in Charlotte relies on looking at how much you spend each month to pay off all your other debts and how much you can contribute to a down payment. Many experts recommend aiming to spend no more than 28 percent of your income on housing, so do the math on your salary to see what you can comfortably afford.