Homes for sale in Midland, NC

By Berenice Cruz · Realtor® · Updated October 8, 2026

Educational guide, not financial advice. Data checked October 8, 2026 against the linked sources; programs are subject to qualification and terms can change.

Midland at a glance

Your tax bill, line by line

A home inside Midland town limits pays 0.576 to Cabarrus County and 0.21 to the town, for 0.786 per $100 of assessed value (FY2026-27). No other municipality on the county's table charges less than that 0.21. In dollars, a $340,000 assessment works out to about $2,672 a year.

One open question: the same table lists a "Midland" fire district at 0.11, and the county page doesn't say whether it applies to parcels inside town. If it does, the total becomes 0.896, and on that same $340,000 the bill rises to about $3,046 — roughly $374 more a year. Before you finalize your budget, look up the parcel in the county tax information or ask the seller for the latest bill to see which rates appear.

What kind of homes you'll find in Midland

Midland covers 10.56 square miles and grew from 4,684 residents at the 2020 Census to an estimated 5,151 in July 2025. Census data show about 1,788 housing units (ACS 2024, ±169); 83.9% of occupied homes are owner-occupied, with a median owner-reported value of $369,100 (2020-2024). Median monthly owner costs with a mortgage are $1,728, and median gross rent is $1,418.

What sets Midland apart right now is entry-level new construction — though at the moment it rests almost entirely on one community. Midland Crossing by KB Home has opened a new phase of one- and two-story homes from $334,990, with 1,445 to 3,147 square feet and up to 5 bedrooms, plus picnic areas, walking paths and a community garden; no move-in-ready homes are listed yet. Smith Douglas Homes' Pine Bluff is closing out: its page says a single home remains, The Avery (3 bedrooms, 3 baths, 2,404 square feet), and the posted price has climbed to $474,520 (the address is Midland, though the page text mentions Locust). Both come from the builders' sites (October 2026) and shift with each phase.

Both figures fall under the $525,000 NC 1st Home Advantage sales price limit — Pine Bluff only narrowly — subject to qualification. At Midland Crossing, your final price depends on plan, lot and upgrades.

Canopy Realtor® Association doesn't break out Midland, so the market benchmark is Cabarrus County as a whole: a $374,950 median in September 2026 (+1.3%), 242 closings, 3.2 months of supply and 51 days on market. For schools, Midland is part of Cabarrus County Schools, and the assigned school depends on the exact address.

Real distances from Midland

Midland sits at a similar distance from three common job centers, per off-peak OpenStreetMap/OSRM estimates from the town center: about 36 minutes (23 miles) to Uptown Charlotte, about 34 minutes (24 miles) to University Research Park and about 41 minutes (31 miles) to Ballantyne. Rush hour stretches all of them. Census data back that up: the average commute is 32.0 minutes (2020-2024), the longest among the Cabarrus towns we reviewed.

If you work in Ballantyne, that 41-minute figure is the one to test in person, at the hour you'd really leave. For hospital care, the verified reference point is Atrium Health Cabarrus in Concord.

A gold mine with a Midland address

Reed Gold Mine State Historic Site, at 9621 Reed Mine Rd. with a Midland mailing address, marks the first documented gold find in the United States. We couldn't confirm whether the site is inside town limits, but it shares the 28107 ZIP code and is the area's best-known landmark.

Programs that often apply here

Buying new. Midland Crossing's $334,990 starting price leaves room under the $525,000 cap on NC 1st Home Advantage, which adds $15,000 toward the down payment; Pine Bluff's last home ($474,520) also fits, with little to spare. You'll need a 640 credit score and to be a first-time buyer (no owned principal residence in the last 3 years), a military veteran, or buying in a targeted census tract; it's subject to qualification and is paired with the NC Home Advantage Mortgage. That mortgage also stands alone — up to 3% of the loan amount, incomes up to $158,000, no first-time requirement — and it too is subject to qualification. A practical tip: before you reserve a lot, ask the builder whether it works with these programs and how long it allows to close.

Moderate household income. Below 80% of AMI, the Community Partners Loan Pool can add up to 25% of the price or $50,000, whichever is less; it runs through a member organization, includes 6 hours of education plus 2 hours of one-on-one counseling, and has county income and sales-price limits (in Cabarrus, $340,000 for an existing home and $346,000 for a new one). Subject to qualification.

No down payment. There are two paths: VA for eligible veterans and service members, with no PMI; and USDA for incomes up to 115% of area median in eligible areas. On USDA: on October 8, 2026, the map did not flag central Midland or two test points about 2 miles north and south as ineligible, but each home is checked on its own on the official map — verify the exact address. Both are subject to qualification.

Low down payment, or an ITIN. FHA starts at 3.5% down; an ITIN mortgage is a portfolio or non-QM product whose terms each lender sets. As far as we found, the town has no down payment program of its own. Both are subject to qualification; terms and funding can change, and your lender confirms them. More in the programs hub.

Midland next to nearby towns

Same sources as the data card (county/town tax tables, Canopy Realtor® Association/ShowingTime, OSRM, the USDA map). “Check”: town rate not verified. *Reported or recommended rate, not read from the adopted ordinance. “(county)”: Canopy doesn’t report that town separately. USDA describes only the town’s center point; verify each address.

Frequently asked questions

Keep exploring

Full area: Midland, Albemarle & Stanly · All areas · Compare assistance programs · Complete home-buying guide

Nearby towns:

• Locust
• Harrisburg
• Concord