Stallings, North Carolina, is a growing town just southeast of Charlotte, between Matthews and Indian Trail, known for established neighborhoods, newer communities, easy access to US-74 and I-485 and a location that puts Matthews, Ballantyne and uptown Charlotte within reach. It's popular with first-time buyers, move-up buyers and relocating families who want a suburban setting close to Charlotte.
I'm Paul Mattos, a mortgage broker with Refine Mortgage serving buyers in North Carolina and South Carolina. I grew up next door in Matthews. Here's what to know about living in Stallings, property taxes, the county line and your mortgage options before you make an offer.
The Quick Answer
Where it is: mostly in Union County, with a small part in Mecklenburg County, about 15 miles southeast of uptown Charlotte between Matthews, Indian Trail, Mint Hill and Weddington.
Why people move here: established and newer neighborhoods, access to US-74 and nearby I-485, shopping along the US-74 corridor and a short drive to Matthews.
Prices: Redfin reported a median sale price of about $506,000 for the three months ending July 2026, down about 4.5% from a year earlier. Prices vary widely by neighborhood and home size.
Property taxes: homes in the Union County part of town pay the county rate plus the Town of Stallings rate, about 0.64% of assessed value per year combined. Homes in the Mecklenburg County part pay Mecklenburg's county rate instead.
Check the county: because Stallings sits in two counties, the exact address affects taxes and school assignments.
Common loans: conventional, FHA, VA, jumbo for higher-priced homes and bank statement options for self-employed buyers.
About Stallings, North Carolina
Stallings was incorporated in 1975 and had about 16,100 residents at the 2020 Census. The town now lists about 18,000 residents. It was the first Union County town to extend into two counties, and a 2001 annexation roughly doubled its size.
The town grew from a farming community named for the Stallings family. Its history still shows in places like the Stevens Mill area, named for a gristmill on Goose Creek that dates to the late 1700s, and Smith Brothers Farm. Today Stallings mixes established subdivisions with newer communities and shopping along US-74.
If you're comparing Stallings with the rest of the region, browse my Charlotte Area Guides or start with the Charlotte, NC Mortgage Guide. If you're relocating, see the Moving to Charlotte mortgage and cost of living guide.
Why Buyers Choose Stallings
Location Between Matthews and Indian Trail
Stallings sits right next to Matthews, so downtown Matthews, shopping, healthcare and I-485 are close by. US-74 connects the town with Charlotte to the northwest and Indian Trail and Monroe to the southeast.
A Range of Home Types and Prices
Stallings offers older single-family homes, established subdivisions, newer communities, golf-course homes near The Divide and some townhomes. That range gives first-time and move-up buyers more choices than some nearby towns.
Community Events
The town hosts events like Family Night in the Park, a tradition that goes back to the community picnics once held by the Stallings family.
Popular Areas to Consider in Stallings
Inventory and prices change often, but buyers commonly look at a few parts of town:
The Stevens Mill area: established neighborhoods near Stevens Mill Road and the historic mill site.
Near The Divide: neighborhoods around The Divide golf course, with Stevens Creek running through the course.
The original town center: older homes and neighborhoods near Stallings Road and Town Hall.
The US-74 corridor: convenient to shopping, dining and the drive into Charlotte, with some newer communities nearby.
For any HOA community, review the dues, what they cover, rental rules and any transfer fees. See HOA fees explained for Charlotte homebuyers.
Property Taxes in Stallings
North Carolina property taxes are based on the county's assessed value and the combined county and town rates. Union County completed a revaluation in 2025, and the county's adopted rate for fiscal year 2026-27 is 43.42 cents per $100 of assessed value. The Town of Stallings' 2026-27 budget sets its rate at 20.9 cents per $100. Together, homes in the Union County part of town pay roughly 64.3 cents per $100, or about 0.64% of assessed value per year.
Homes in the Mecklenburg County part of Stallings pay Mecklenburg County's rate plus the town rate, and homes outside town limits pay different combined rates. Always check the specific property's tax bill rather than relying on the mailing address. For how taxes affect your payment and escrow account, see escrow explained for first-time homebuyers.
Schools in Stallings
Most Stallings homes are in Union County and served by Union County Public Schools. Homes in the Mecklenburg County part of town are served by Charlotte-Mecklenburg Schools. Assignments depend on the exact address and can change, so verify the current assignment directly with the school system before you make an offer. Online ratings can help with early research, but also look at boundaries, programs, transportation and your child's needs.
Commuting From Stallings
Uptown Charlotte: about 15 miles, by US-74 (Independence Boulevard) or I-485, with heavy traffic at peak times.
Matthews: right next door for shopping, dining and healthcare.
Ballantyne and south Charlotte: reached by I-485.
Indian Trail and Monroe: southeast along US-74.
Test the drive from the specific home at the times you'll actually commute. US-74 traffic can vary a lot by time of day.
Buying New Construction in Stallings
Stallings has less open land than towns farther out, but newer communities and infill homes do come up. Builder incentives can help, but compare the rate, discount points, lender fees, estimated taxes, HOA dues and total cash to close before choosing the builder's preferred lender. My mortgage offer review can help you compare side by side. See buying a new construction home in Charlotte and 2-1 buydowns explained.
Mortgage Options for Buying in Stallings
Conventional Loans
Common for first-time, repeat and move-up buyers. Eligible buyers may put as little as 3% or 5% down, and 20% down avoids private mortgage insurance. See my conventional home loans page.
FHA Loans
FHA offers a 3.5% down payment option for qualified buyers and may offer more flexibility on credit and debt-to-income ratios. Older homes must meet FHA property requirements. See my FHA home loans page.
VA Loans
Eligible veterans, active-duty service members and certain surviving spouses may buy with no down payment and no monthly mortgage insurance. See my VA home loans page.
Jumbo Loans
Some larger homes, including golf-course homes, may need jumbo financing when the loan is above the conforming limit. Requirements vary by lender, so comparing several helps. See my jumbo loans page.
Renovation Loans
If you find an older Stallings home that needs updates, a renovation loan may let you finance some of the work with the purchase.
Bank Statement and Non-QM Loans
Self-employed buyers who can't qualify on tax return income may have options through bank statement and other non-QM loans. See can self-employed borrowers get a mortgage?
First-Time Homebuyers in Stallings
First-time buyers may find options in older homes, smaller homes and townhomes. Options may include low down payment conventional loans, FHA, VA for eligible buyers, North Carolina down payment assistance and seller credits. See my first-time homebuyer programs page, how much money do I need to buy a home? and can I use gift funds for a down payment?
Move-Up Buyers Buying Before Selling
Many Stallings buyers are moving up from a smaller home nearby. You may be able to buy first, sell first, use a contingency or tap equity before you sell. See can I buy a house before selling mine?
Comparing Stallings With Nearby Communities
Buyers considering Stallings often compare it with:
Stallings may fit well if you want a suburban home right next to Matthews with access to US-74 and I-485. Matthews offers a walkable downtown, Indian Trail has more new construction and a wider price range, Mint Hill has larger lots and a quieter feel, and Weddington offers bigger lots and higher-end homes to the south.
Getting Pre-Approved Before Shopping in Stallings
Before you make an offer, you should know your estimated payment, down payment options, closing costs, savings after closing, and how taxes, insurance and HOA dues affect qualifying. Two homes at the same price can have different payments, especially when one is in Union County and the other is in Mecklenburg. See how to pre-qualify for a home loan and how does a home appraisal work?
Frequently Asked Questions
What county is Stallings, NC in?
Mostly Union County, with a small part in Mecklenburg County. Check the exact address, since it affects taxes and schools.
What are property taxes in Stallings?
Homes in the Union County part of town pay the county rate plus the Town of Stallings rate, about 0.64% of assessed value per year combined for 2026-27. Homes in the Mecklenburg part pay Mecklenburg's county rate plus the town rate.
How far is Stallings from uptown Charlotte?
About 15 miles. Drive time depends on traffic on US-74 and I-485 and where you live in town.
Is Stallings good for first-time homebuyers?
It can be. Older homes, smaller homes and townhomes may give first-time buyers options, and low down payment loans and down payment assistance may help.
What mortgage options work in Stallings?
Conventional, FHA, VA, jumbo, renovation, bank statement and investment property loans can all work, depending on your situation and the home.
Work With a Local Mortgage Broker
Whether you're buying your first home, relocating, moving up or buying new construction in Stallings, I can help you compare options and build a plan around your goals. Schedule a consultation, start your application or read client reviews. For buying anywhere in the state, see my North Carolina Mortgage Guide.
Paul Mattos
Mortgage Broker | Refine Mortgage
Carolina Home Financing
NMLS# 2339069 | Licensed in NC and SC
Call or text: 980-221-4959
Email: paulm@refinemortgage.net
Refine Mortgage Inc. | NMLS# 2417960 | Equal Housing Lender. This article provides general educational information and is not a commitment to lend or a rate quote. Home prices, tax rates and school assignments change and should be verified for the specific address. Financing is subject to credit, income, assets, appraisal, title and underwriting requirements. Not all applicants will qualify.
