Zip code 28097: Locust, North Carolina

Q: What city is zip code 28097?

28097 is assigned to Locust, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28097 in?

28097 is mostly in Stanly County, but it extends into 1 other county.

Q: What is the population of 28097?

About 8,303 people live in 28097, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28097?

The median household income in 28097 is $76,594.

Q: What zip codes are near 28097?

The closest zip codes to 28097 are 28129, 28163, 28124, 28107, 28026.

Residential delivery areaStanly CountyEastern Time

Population

8,303

Median household income

$77K

U.S. $81K

Median home value

$314K

U.S. $333K

Median rent

$876/mo

U.S. $1,413

Median age

37.5

U.S. 38.9

Land area

30 sq mi

276 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 28097

28097 is a small-town zip code in Locust, North Carolina (Stanly County), covering 30 sq mi of land. About 8,303 people live here, or 276 per square mile. The median resident is 37.5 years old, compared with 38.9 nationally.

The median household earns $76,594 a year, close to the national median of $80,734. 13.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $314,400, or 4.1 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 86% of occupied homes are lived in by their owners, and renters pay a median of $876 a month.

20% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 30.8 minutes each way, and 15% of workers work from home. The most common jobs among working residents are in management; construction and repair; and healthcare.

How 28097 compares

Sorted from highest to lowest national percentile

Rent-burdened renters74.7%
99th
WeaknessU.S. 51.1% · NC 48.9%52nd of 760 in NC
Healthcare workers15.9%
96th
U.S. 9.7% · NC 9.5%69th of 798 in NC
Homeownership rate86.2%
91st
StrengthU.S. 65.2% · NC 66.6%131st of 788 in NC
Self-employed workers13.8%
86th
U.S. 10% · NC 9.8%182nd of 798 in NC
Average commute30.8 min
78th
U.S. 26.4 min · NC 25.1 min159th of 771 in NC
Median earnings per worker$53,755
65th
U.S. $49,666 · NC $46,279126th of 788 in NC
Poverty rate13.4%
63rd
U.S. 12.5% · NC 13%372nd of 788 in NC
Work from home14.9%
60th
U.S. 15.1% · NC 16.3%206th of 799 in NC
Tech workers3.3%
58th
U.S. 3.8% · NC 3.9%200th of 798 in NC
Residents 65 and older17.5%
57th
U.S. 17.2% · NC 17.2%494th of 802 in NC
Residents under 1822.7%
56th
U.S. 22% · NC 21.8%261st of 802 in NC
Uninsured rate6.8%
50th
U.S. 8.4% · NC 9.9%577th of 797 in NC
Government workers13.6%
49th
U.S. 14.5% · NC 13.8%452nd of 798 in NC
Median household income$76,594
46th
U.S. $80,734 · NC $72,388210th of 748 in NC
Median home value$314,400
46th
U.S. $332,700 · NC $288,900199th of 757 in NC
Median age37.5
38th
U.S. 38.9 · NC 39.1610th of 802 in NC
Per capita income$34,235
32nd
U.S. $44,673 · NC $41,385385th of 799 in NC
Broadband access89.6%
31st
U.S. 91% · NC 90.1%331st of 788 in NC
Population density276/sq mi
25th
U.S. 95/sq mi · NC 221/sq mi291st of 802 in NC
Veterans3.8%
24th
U.S. 6.2% · NC 7.4%708th of 801 in NC
Income inequality (Gini)0.403
23rd
U.S. 0.483 · NC 0.477565th of 781 in NC
Bachelor's degree or higher19.8%
20th
WeaknessU.S. 35.7% · NC 35.7%489th of 799 in NC
Foreign-born residents3.3%
20th
U.S. 14.1% · NC 9.1%477th of 802 in NC
Housing vacancy3.7%
18th
U.S. 10.1% · NC 12.5%756th of 789 in NC
Diversity index21.8
14th
U.S. 61.4 · NC 58.4655th of 802 in NC
Population8,303
13th
U.S. 334,922,499 · NC 10,730,404340th of 802 in NC
Median gross rent$876
12th
U.S. $1,413 · NC $1,228428th of 688 in NC
Unemployment rate2.4%
9th
StrengthU.S. 5.2% · NC 4.7%612th of 799 in NC

Measure	28097	Stanly	NC	U.S.	National percentile	Rank in NC
Rent-burdened rentersWeakness	74.7%	48.9%	48.9%	51.1%	99th	52nd of 760
Healthcare workers	15.9%	9.4%	9.5%	9.7%	96th	69th of 798
Homeownership rateStrength	86.2%	74.5%	66.6%	65.2%	91st	131st of 788
Self-employed workers	13.8%	11.5%	9.8%	10%	86th	182nd of 798
Average commute	30.8 min	28.1 min	25.1 min	26.4 min	78th	159th of 771
Median earnings per worker	$53,755	$43,544	$46,279	$49,666	65th	126th of 788
Poverty rate	13.4%	15.2%	13%	12.5%	63rd	372nd of 788
Work from home	14.9%	9.8%	16.3%	15.1%	60th	206th of 799
Tech workers	3.3%	1.9%	3.9%	3.8%	58th	200th of 798
Residents 65 and older	17.5%	19.1%	17.2%	17.2%	57th	494th of 802
Residents under 18	22.7%	21.7%	21.8%	22%	56th	261st of 802
Uninsured rate	6.8%	9%	9.9%	8.4%	50th	577th of 797
Government workers	13.6%	12.4%	13.8%	14.5%	49th	452nd of 798
Median household income	$76,594	$60,704	$72,388	$80,734	46th	210th of 748
Median home value	$314,400	$242,400	$288,900	$332,700	46th	199th of 757
Median age	37.5	40.5	39.1	38.9	38th	610th of 802
Per capita income	$34,235	$31,661	$41,385	$44,673	32nd	385th of 799
Broadband access	89.6%	88.4%	90.1%	91%	31st	331st of 788
Population density	276/sq mi	164/sq mi	221/sq mi	95/sq mi	25th	291st of 802
Veterans	3.8%	6.5%	7.4%	6.2%	24th	708th of 801
Income inequality (Gini)	0.403	0.431	0.477	0.483	23rd	565th of 781
Bachelor's degree or higherWeakness	19.8%	19.9%	35.7%	35.7%	20th	489th of 799
Foreign-born residents	3.3%	4.4%	9.1%	14.1%	20th	477th of 802
Housing vacancy	3.7%	11.8%	12.5%	10.1%	18th	756th of 789
Diversity index	21.8	37.5	58.4	61.4	14th	655th of 802
Population	8,303	64,651	10,730,404	334,922,499	13th	340th of 802
Median gross rent	$876	$861	$1,228	$1,413	12th	428th of 688
Unemployment rateStrength	2.4%	4.1%	4.7%	5.2%	9th	612th of 799

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

15%

25–34

11%

35–44

11%

45–54

14%

55–64

10%

65–74

75+

Median age

37.5

Under 18

22.7%

65 and over

17.5%

Race and ethnicity

White88%
Black2%
Hispanic8%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

21.8

U.S. 61.4

Foreign-born

3.3%

U.S. 14.1%

Born in state

76%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 3,048
Average household size: 2.7
Family households: 74%
Married couples: 54.5%
Living alone: 21.6%
Veterans (of adults): 3.8%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

26%

$50–75k

12%

$75–100k

15%

$100–150k

20%

$150–200k

$200k+

Median household income

28097

$76,594

Stanly Co.

$60,704

North Carolina

$72,388

United States

$80,734

Per capita income

$34,235

U.S. $44,673

Poverty rate

13.4%

U.S. 12.5%

Households earning $150K+

16.1%

U.S. 23%

Income inequality (Gini)

0.403

U.S. 0.483

Housing

Median home value

28097

$314,400

Stanly Co.

$242,400

North Carolina

$288,900

United States

$332,700

Median gross rent

28097

$876

Stanly Co.

$861

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

84%

2–4 units

0.7%

5–19 units

20+ units

Mobile home

11%

Boat, RV, van

Housing units: 3,164
Owner-occupied: 86.2%
Vacant: 3.7%
Median year built: 2001
Median rooms: 5.7
Renters paying 30%+ of income: 74.7%
Renters paying 50%+ of income: 24.2%
Home value to income: 4.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

10%

Transit

Walked

Bicycle

Worked from home

15%

Other

Commute time (one way)

<10 min

12%

10–19

11%

20–29

19%

30–44

28%

45–59

22%

60+

Average commute

30.8 min

U.S. 26.4 min

Unemployment

2.4%

U.S. 5.2%

In labor force

56.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

20%

Construction and repair

17%

Healthcare

16%

Sales

10%

Office and admin

Cleaning and personal care

Transportation and moving

Production

Computer and math

Education

Business and finance

Arts, media and sports

Engineering and science

Police and fire

Legal and social services

Food service

0.3%

Farming, fishing and forestry

Industries

Health care and social assistance

20%

Construction

16%

Manufacturing

10%

Education

10%

Retail

Other services

Finance, insurance and real estate

Professional and technical services

Admin, support and management

Transportation, warehousing and utilities

Public administration

Wholesale

Restaurants and hotels

0.5%

Agriculture and mining

0.4%

Arts and recreation

0.4%

Information

0.3%

Median earnings per worker

$53,755

U.S. $49,666

Self-employed

13.8%

U.S. 10%

Government workers

13.6%

U.S. 14.5%

Nonprofit workers

6.6%

U.S. 8.8%

Median earnings by type of work

Type of work	28097	U.S.
Management, business, science and arts	$73,082	$74,888
Service	$30,521	$26,804
Sales and office	$51,740	$40,476
Construction and maintenance	$53,306	$49,199
Production and transportation	$51,591	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

14%

High school

30%

Some college

22%

Associate's

14%

Bachelor's

13%

Graduate

High school graduate or higher: 86%
Bachelor's degree or higher: 19.8%
Graduate or professional degree: 6.9%
Households with broadband: 89.6%
Cable, fiber or DSL: 78.5%
No internet access: 4%
Without health insurance: 6.8%
Limited-English households: 0%

Geography

City (USPS): Locust
State: North Carolina
County: Stanly County
Center point: 35.2967° N, 80.3933° W
Land area: 30 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

28097 spans 2 counties

Stanly County98% of land
Cabarrus County2% of land

Cities and towns within this zip

Locust22% of zip
Red Cross2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 28097

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
28129	Oakboro, NC	5.8 mi	5,852	$69,906	$266,800
28163	Stanfield, NC	6.5 mi	6,491	$72,386	$313,900
28124	Mount Pleasant, NC	7.2 mi	7,010	$80,778	$310,500
28107	Midland, NC	7.7 mi	10,244	$105,122	$385,500
28026	Concord, NC · PO box	9 mi	—	—	—
28082	Kannapolis, NC · PO box	9 mi	—	—	—
28025	Concord, NC	9.4 mi	58,334	$79,545	$306,800
28001	Albemarle, NC	11 mi	26,424	$54,804	$215,400
28002	Albemarle, NC · PO box	12 mi	—	—	—
28075	Harrisburg, NC	14 mi	21,517	$144,288	$482,800
28109	Misenheimer, NC	14 mi	664	$31,208	$186,900
28128	Norwood, NC	15 mi	6,587	$53,818	$222,300

Zip codes like 28097 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 28097

What city is zip code 28097?

28097 is assigned to Locust, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28097 in?

28097 is mostly in Stanly County, but it extends into 1 other county.

What is the population of 28097?

About 8,303 people live in 28097, according to the Census Bureau's American Community Survey.

What time zone is 28097 in?

28097 is in Eastern Time.

What is the median household income in 28097?

The median household income in 28097 is $76,594.

What zip codes are near 28097?

The closest zip codes to 28097 are 28129, 28163, 28124, 28107, 28026.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28097, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.