I would suggest that you talk with a Realtor who listens to your needs and after understanding your finances and specific criteria, will recommend a home and areas that might work for you that are close to a regularly scheduled bus stop. Then you can visit homes that meet your needs and fit your loan; find the best place possible. There are also resources to allow for modifications for accessibility as needed. If you appreciate an answer, please give thumbs up. For the most helpful answer, please say thanks with a best answer click.
As far as transportation goes, check out the Charlotte Area Transit (CATS) link http://www.disability-rights.org/Cats/STS.htm. CATS works closely with the community to provide public transportation to all citizens, including those, like yourself, with special needs. Hopefully, this link will be helpful to you.
As far as the cost of living here in Charlotte, you are correct that Realtors cannot stear you to particular neighborhoods. Generally speaking though, you will find that the neighborhoods closest to uptown will be the most expensive and South Charlotte tends to be more expense than North Charlotte. With everything though, there are exceptions to every rule!
Best of luck with your move; I wish you all the best!
Kathleen Turner, ABR, CRS, ePro
Keller Williams Realty
East Charlotte is lower cost and has some nicer neighborhoods. Also parts of South Charlotte and University. It depends on what other features you will want in the areas you will consider. And what type of home you are wanting: a detached home, a townhome/condo, or an apartment.