Zip code 28104: Matthews, North Carolina

Q: What city is zip code 28104?

28104 is assigned to Matthews, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28104 in?

28104 is mostly in Union County, but it extends into 1 other county.

Q: What is the population of 28104?

About 36,641 people live in 28104, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28104?

The median household income in 28104 is $138,017.

Q: What zip codes are near 28104?

The closest zip codes to 28104 are 28105, 28270, 28079, 28277, 28226.

Residential delivery areaUnion CountyEastern Time

Population

36,641

Median household income

$138K

U.S. $81K

Median home value

$534K

U.S. $333K

Median rent

$1,801/mo

U.S. $1,413

Median age

41.6

U.S. 38.9

Land area

30 sq mi

1,238 people/sq mi

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

About 28104

28104 is a suburban zip code in Matthews, North Carolina (Union County), covering 30 sq mi of land. About 36,641 people live here, or 1,238 per square mile. The median resident is 41.6 years old, compared with 38.9 nationally.

The median household earns $138,017 a year, 71% above the national median of $80,734. 4.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $533,500, or 3.9 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 91% of occupied homes are lived in by their owners, and renters pay a median of $1,801 a month.

59% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 29.2 minutes each way, and 27% of workers work from home. The most common jobs among working residents are in management; sales; and business and finance. 20% of households speak a language other than English at home, most often Spanish.

How 28104 compares

Sorted from highest to lowest national percentile

Homeownership rate90.6%
96th
StrengthU.S. 65.2% · NC 66.6%63rd of 788 in NC
Broadband access97.4%
95th
StrengthU.S. 91% · NC 90.1%39th of 788 in NC
Median household income$138,017
92nd
StrengthU.S. $80,734 · NC $72,38816th of 748 in NC
Work from home26.8%
91st
U.S. 15.1% · NC 16.3%61st of 799 in NC
Tech workers7%
90th
U.S. 3.8% · NC 3.9%45th of 798 in NC
Per capita income$64,298
88th
StrengthU.S. $44,673 · NC $41,38549th of 799 in NC
Bachelor's degree or higher58.9%
88th
StrengthU.S. 35.7% · NC 35.7%56th of 799 in NC
Median earnings per worker$67,902
85th
StrengthU.S. $49,666 · NC $46,27938th of 788 in NC
Self-employed workers13.1%
83rd
U.S. 10% · NC 9.8%204th of 798 in NC
Median home value$533,500
77th
U.S. $332,700 · NC $288,90041st of 757 in NC
Residents under 1825.1%
75th
U.S. 22% · NC 21.8%160th of 802 in NC
Median gross rent$1,801
74th
U.S. $1,413 · NC $1,22819th of 688 in NC
Average commute29.2 min
70th
U.S. 26.4 min · NC 25.1 min224th of 771 in NC
Median age41.6
69th
U.S. 38.9 · NC 39.1435th of 802 in NC
Foreign-born residents13.9%
62nd
U.S. 14.1% · NC 9.1%68th of 802 in NC
Population36,641
61st
U.S. 334,922,499 · NC 10,730,40494th of 802 in NC
Veterans6.6%
61st
U.S. 6.2% · NC 7.4%445th of 801 in NC
Income inequality (Gini)0.434
50th
U.S. 0.483 · NC 0.477379th of 781 in NC
Population density1,238/sq mi
48th
U.S. 95/sq mi · NC 221/sq mi110th of 802 in NC
Diversity index44.5
43rd
U.S. 61.4 · NC 58.4420th of 802 in NC
Unemployment rate4.3%
39th
U.S. 5.2% · NC 4.7%396th of 799 in NC
Rent-burdened renters47%
36th
U.S. 51.1% · NC 48.9%379th of 760 in NC
Residents 65 and older14.6%
35th
U.S. 17.2% · NC 17.2%609th of 802 in NC
Uninsured rate4.9%
32nd
U.S. 8.4% · NC 9.9%678th of 797 in NC
Healthcare workers7.9%
26th
U.S. 9.7% · NC 9.5%519th of 798 in NC
Housing vacancy4%
22nd
U.S. 10.1% · NC 12.5%748th of 789 in NC
Government workers9.2%
13th
U.S. 14.5% · NC 13.8%665th of 798 in NC
Poverty rate4.6%
10th
StrengthU.S. 12.5% · NC 13%704th of 788 in NC

Measure	28104	Union	NC	U.S.	National percentile	Rank in NC
Homeownership rateStrength	90.6%	81.6%	66.6%	65.2%	96th	63rd of 788
Broadband accessStrength	97.4%	94.1%	90.1%	91%	95th	39th of 788
Median household incomeStrength	$138,017	$102,900	$72,388	$80,734	92nd	16th of 748
Work from home	26.8%	19.5%	16.3%	15.1%	91st	61st of 799
Tech workers	7%	4.1%	3.9%	3.8%	90th	45th of 798
Per capita incomeStrength	$64,298	$46,949	$41,385	$44,673	88th	49th of 799
Bachelor's degree or higherStrength	58.9%	40.5%	35.7%	35.7%	88th	56th of 799
Median earnings per workerStrength	$67,902	$52,834	$46,279	$49,666	85th	38th of 788
Self-employed workers	13.1%	10.7%	9.8%	10%	83rd	204th of 798
Median home value	$533,500	$417,300	$288,900	$332,700	77th	41st of 757
Residents under 18	25.1%	25.6%	21.8%	22%	75th	160th of 802
Median gross rent	$1,801	$1,496	$1,228	$1,413	74th	19th of 688
Average commute	29.2 min	29.8 min	25.1 min	26.4 min	70th	224th of 771
Median age	41.6	39.2	39.1	38.9	69th	435th of 802
Foreign-born residents	13.9%	12.2%	9.1%	14.1%	62nd	68th of 802
Population	36,641	250,958	10,730,404	334,922,499	61st	94th of 802
Veterans	6.6%	6.3%	7.4%	6.2%	61st	445th of 801
Income inequality (Gini)	0.434	0.445	0.477	0.483	50th	379th of 781
Population density	1,238/sq mi	397/sq mi	221/sq mi	95/sq mi	48th	110th of 802
Diversity index	44.5	52.1	58.4	61.4	43rd	420th of 802
Unemployment rate	4.3%	4.2%	4.7%	5.2%	39th	396th of 799
Rent-burdened renters	47%	43.2%	48.9%	51.1%	36th	379th of 760
Residents 65 and older	14.6%	13.5%	17.2%	17.2%	35th	609th of 802
Uninsured rate	4.9%	7.7%	9.9%	8.4%	32nd	678th of 797
Healthcare workers	7.9%	7.6%	9.5%	9.7%	26th	519th of 798
Housing vacancy	4%	5.2%	12.5%	10.1%	22nd	748th of 789
Government workers	9.2%	10.8%	13.8%	14.5%	13th	665th of 798
Poverty rateStrength	4.6%	7.7%	13%	12.5%	10th	704th of 788

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

20%

5–17

18–24

25–34

13%

35–44

19%

45–54

11%

55–64

65–74

75+

Median age

41.6

Under 18

25.1%

65 and over

14.6%

Race and ethnicity

White73%
Black7%
Hispanic8%
Asian8%
Native American0.1%
Pacific Islander0.0%
Other0.2%
Multiracial4%

Diversity index

44.5

U.S. 61.4

Foreign-born

13.9%

U.S. 14.1%

Born in state

39.2%

Language spoken at home (households)

English only

80%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 12,889
Average household size: 2.8
Family households: 82%
Married couples: 70.5%
Living alone: 14.2%
Veterans (of adults): 6.6%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

$25–50k

10%

$50–75k

$75–100k

11%

$100–150k

18%

$150–200k

14%

$200k+

32%

Median household income

28104

$138,017

Union Co.

$102,900

North Carolina

$72,388

United States

$80,734

Per capita income

$64,298

U.S. $44,673

Poverty rate

4.6%

U.S. 12.5%

Households earning $150K+

46.1%

U.S. 23%

Income inequality (Gini)

0.434

U.S. 0.483

Housing

Median home value

28104

$533,500

Union Co.

$417,300

North Carolina

$288,900

United States

$332,700

Median gross rent

28104

$1,801

Union Co.

$1,496

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

96%

2–4 units

5–19 units

0.0%

20+ units

Mobile home

Boat, RV, van

Housing units: 13,427
Owner-occupied: 90.6%
Vacant: 4%
Median year built: 2001
Median rooms: 7.9
Renters paying 30%+ of income: 47%
Renters paying 50%+ of income: 20%
Home value to income: 3.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

66%

Carpooled

Transit

0.1%

Walked

0.5%

Bicycle

Worked from home

27%

Other

0.5%

Commute time (one way)

<10 min

10–19

21%

20–29

22%

30–44

34%

45–59

10%

60+

Average commute

29.2 min

U.S. 26.4 min

Unemployment

4.3%

U.S. 5.2%

In labor force

69.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

20%

Sales

12%

Business and finance

11%

Office and admin

Healthcare

Computer and math

Education

Construction and repair

Cleaning and personal care

Food service

Engineering and science

Production

Transportation and moving

Arts, media and sports

Legal and social services

Police and fire

Farming, fishing and forestry

Industries

Finance, insurance and real estate

16%

Retail

11%

Professional and technical services

11%

Health care and social assistance

11%

Manufacturing

Education

Transportation, warehousing and utilities

Construction

Restaurants and hotels

Other services

Admin, support and management

Wholesale

Public administration

Information

Arts and recreation

Agriculture and mining

0.3%

Median earnings per worker

$67,902

U.S. $49,666

Self-employed

13.1%

U.S. 10%

Government workers

9.2%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	28104	U.S.
Management, business, science and arts	$101,649	$74,888
Service	$21,679	$26,804
Sales and office	$48,520	$40,476
Construction and maintenance	$42,436	$49,199
Production and transportation	$39,544	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

13%

Some college

17%

Associate's

Bachelor's

38%

Graduate

21%

High school graduate or higher: 95.6%
Bachelor's degree or higher: 58.9%
Graduate or professional degree: 20.9%
Households with broadband: 97.4%
Cable, fiber or DSL: 90.5%
No internet access: 1.3%
Without health insurance: 4.9%
Limited-English households: 1.5%

Geography

City (USPS): Matthews
State: North Carolina
County: Union County
Center point: 35.0580° N, 80.6978° W
Land area: 30 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

28104 spans 2 counties

Union County97% of land
Mecklenburg County3% of land

Cities and towns within this zip

Weddington43% of zip
Stallings26% of zip
Indian Trail10% of zip
Wesley Chapel7% of zip
Matthews1% of zip

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

Zip codes near 28104

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
28105	Matthews, NC	4.3 mi	46,817	$108,190	$430,800
28270	Charlotte, NC	5.3 mi	32,448	$131,667	$589,500
28079	Indian Trail, NC	6.7 mi	43,035	$100,516	$395,700
28277	Charlotte, NC	6.8 mi	73,882	$128,627	$560,600
28226	Charlotte, NC	7.7 mi	39,381	$118,606	$617,600
28111	Monroe, NC · PO box	8.5 mi	—	—	—
28108	Mineral Springs, NC	8.7 mi	34	—	—
28247	Charlotte, NC · PO box	8.7 mi	—	—	—
28212	Charlotte, NC	9.3 mi	42,440	$52,723	$266,900
28211	Charlotte, NC	9.4 mi	33,925	$132,917	$774,900
28227	Charlotte, NC	9.6 mi	60,482	$77,115	$349,700
28173	Waxhaw, NC	9.8 mi	65,274	$150,597	$608,000

Zip codes like 28104 elsewhere

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

Questions about 28104

What city is zip code 28104?

28104 is assigned to Matthews, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28104 in?

28104 is mostly in Union County, but it extends into 1 other county.

What is the population of 28104?

About 36,641 people live in 28104, according to the Census Bureau's American Community Survey.

What time zone is 28104 in?

28104 is in Eastern Time.

What is the median household income in 28104?

The median household income in 28104 is $138,017.

What zip codes are near 28104?

The closest zip codes to 28104 are 28105, 28270, 28079, 28277, 28226.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28104, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.