ZIP Code 28104: Population, Income, Housing

State: NC
Total population: 36,641 Household income: $138,017 Rent: $1,801

Overview

Total population
36,641
Rent
$1,801
Year built
2001
Household income
$138,017
Per capita income
$64,298
Poverty rate
4.6%
Unemployment rate
N/A
Household size
2.8 persons
Rent over 30% of income
43%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
North Carolina
County
Union County
City
Weddington
Total population
36,641
Adults over 25
24,393
Total households
12,889
Household size
2.8 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$138,017
Per capita income
$64,298
Poverty rate
4.6%
Unemployment rate
N/A
Rent over 30% of income
43%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,801
Year built
2001
Households that rent
9.4%
Households that own
90.6%
Rooms per home (all homes)
7.9

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
74.5%
Black
6.8%
Asian
7.9%
Two or more races
7.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
8.1%
Not Hispanic or Latino
91.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
13,643 (73.2%)
Commute time to work
29 mins
Work from home
4,989 (26.8%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
20.2%
High school graduate or GED
13.5%
Some college or associate degree
7.4%
Bachelor’s degree or higher
58.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 28104 with: Union County, NC Charlotte metro area, NC-SC North Carolina United States

ZIP 28104

Total population36,641
Rent$1,801
Year built2001
Household income$138,017
Per capita income$64,298
Poverty rate4.6%
Unemployment rateN/A

Union County, NC

Total population250,958
Rent$1,496
Year built2000
Household income$102,900
Per capita income$46,949
Poverty rate7.7%
Unemployment rate2.9%

Charlotte Metro Area, NC-SC

Total population2,768,407
Rent$1,473
Year built1996
Household income$83,304
Per capita income$46,738
Poverty rate10.6%
Unemployment rate3.6%

North Carolina State

Total population10,730,404
Rent$1,228
Year built1991
Household income$72,388
Per capita income$41,385
Poverty rate13%
Unemployment rate3.6%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP28104 CountyUnion, NCMetro AreaCharlotte metro area, NC-SCStateNorth CarolinaCountryUnited States
Total population36,641250,9582,768,40710,730,404334,922,499
Rent$1,801$1,496$1,473$1,228$1,413
Year built20012000199619911980
Household income$138,017$102,900$83,304$72,388$80,734
Per capita income$64,298$46,949$46,738$41,385$44,673
Poverty rate4.6%7.7%10.6%13%12.5%
Unemployment rateN/A2.9%3.6%3.6%4%

View the full multi-level comparison →

 

Loading...

 

Summary for 28104

Rent & Income

In 28104, the typical monthly rent is $1,801 and the typical household income is $138,017. Rent here is higher than North Carolina, and household income is higher than North Carolina. The estimated poverty rate is 4.6%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 9.4% of households. About 43% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 58.9% of adults holding a bachelor’s degree or higher.

 

ZIP 28104 — Rent vs Household Income

 

 

ZIP 28104 — Poverty

 

 

How ZIP 28104 compares in North Carolina (126 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,801 118 / 126 from lower rent $733 – $2,025
Household income $138,017 4 / 126 from higher income $42,810 – $165,586
Poverty rate 4.6% 12 / 126 from lower poverty 2.3% – 34.4%

Rankings are calculated among ZIP Codes in North Carolina with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 28104

Rent

For rent, this ZIP is positioned 118th out of 126 ZIP Codes in North Carolina. In North Carolina as a whole, the range goes from $733 in ZIP 28645 up to $2,025 in ZIP 28079.

Household income

For household income, ZIP Code 28104 ranks 4th out of 126 ZIP Codes. Statewide, values range from $42,810 in ZIP 27893 up to $165,586 in ZIP 27519.

Poverty rate

For poverty levels, this ZIP is positioned 12th out of 126 ZIP Codes. Across North Carolina, figures vary from 2.3% in ZIP 27502 up to 34.4% in ZIP 28607.

 

💰 Rent in ZIP Code 28104 (with Utilities)

Estimated Monthly Rent: $1,801 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 28104

Annual Household Income: $138,017

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 28104

Estimated Rate: 4.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 28104

In ZIP Code 28104, households that rent: 1,213 (9.4%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 1,213 9.4%
Owner-Occupied 11,676 90.6%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 28104

In ZIP Code 28104, cost-burdened renters (households spending over 30% of income on housing): 521 (43%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 521 43%
Other renter households 692 57%
Total renter households 1,213 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 28104

Less than High School: 4,923 people (20.2%)

Includes adults who did not complete high school.

High School Graduate or GED: 3,291 people (13.5%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 1,807 people (7.4%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 14,372 people (58.9%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 24,393

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.