Belmont, NC · standard
ZIP Code 28012
Gaston County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,048
- 283/sq mi High-density area
- $83,391
- Median income Above-median income area
- $374,100
- Median home value Above-median home value
- 45.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Belmont pairs an above-median household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 34%
- household income, US ZIPs
- Top 23%
- home value, US ZIPs
- 283
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28012 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28012 (Belmont, NC) rose +5.7% from 2023 to 2024. The all-transactions index moved from 280.1 in 2023 to 296.0 in 2024 (2000 = 100).
ZIP code 28012 is a densely settled ZIP (a standard USPS delivery area) in Belmont, Gaston County, North Carolina, with 20,048 residents across 70.8 square miles, a density of 283 people per square mile, in the New York time zone.
ZIP 28012 lands in the middle-income range, with a median household income of $83,391 (21% above the average North Carolina ZIP), while per-capita income is $54,108. The poverty rate is 8.8%, with unemployment at 4.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $374,100 (44% above the average North Carolina ZIP), while 69.6% of occupied homes are owner-occupied and median rent is $1,383.
A solid share of residents have a four-year degree: 45.7% of adults hold a bachelor's degree or higher, the median age is 40.2, and the average commute is 27 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Gaston County, so 28012 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 28012
Top 5 sectors by establishment count in Belmont, NC
Which industries have the most business establishments in ZIP 28012.
- Other services (except public administration)
Other services (except public administration)
81 establishments
- Accommodation and food services
Accommodation and food services
74 establishments
- Retail trade
Retail trade
73 establishments
- Health care and social assistance
Health care and social assistance
72 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
61 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 28012, Belmont, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
20,048
Population
70.8
Area (sq mi)
283
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28012?
40.2
Median Age
46.9%
Male
53.1%
Female
5.5%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$83,391
Median Household Income
+21% vs state ZIP avg
$54,108
Per Capita Income
8.8%
Poverty Rate
4.2%
Unemployment Rate
26.8 min
Mean Commute Time
How ZIP 28012 ranks among North Carolina ZIPs
Belmont, NC household income vs. every North Carolina ZIP code
Median household income among 749 reporting North Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$83,391 Top 20% higher than 80% of 749 North Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more North Carolina ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
11,810housing units
11,810
Total Housing Units
11,141
Occupied Units
669
Vacant Units
2.31
Avg Household Size
Occupancy Type
$374,100
Median Home Value
+44% vs state ZIP avg
$1,383
Median Rent
1997
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.7%
YoY Change (2024)
296
HPI Index (2000 = 100)
+196%
Total Change Since 2000
Home values in ZIP 28012 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +196% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.2% | 182 |
| 2021 | +15.3% | 210 |
| 2022 | +22.3% | 257 |
| 2023 | +9.1% | 280 |
| 2024 | +5.7% | 296 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 662 business establishments in ZIP 28012, employing approximately 9,046 people with a combined annual payroll of $432,932,000.
662
Businesses
9,046
Employees
$432.9M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 81 | 12.2% |
| Accommodation and food services | 74 | 11.2% |
| Retail trade | 73 | 11.0% |
| Health care and social assistance | 72 | 10.9% |
| Professional, scientific, and technical services | 61 | 9.2% |
| Construction | 55 | 8.3% |
| Finance and insurance | 48 | 7.3% |
| Real estate and rental and leasing | 46 | 7.0% |
| Administrative and support and waste management and remediation services | 39 | 5.9% |
| Manufacturing | 27 | 4.1% |
| Wholesale trade | 22 | 3.3% |
| Transportation and warehousing | 21 | 3.2% |
| Educational services | 15 | 2.3% |
| Arts, entertainment, and recreation | 13 | 2.0% |
| Information | 6 | 0.9% |
| Management of companies and enterprises | 6 | 0.9% |
| Utilities | 3 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 28012 vs 28032 →
ZIP 28012 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28054
Gastonia (28054)
36,270 residents
- 28214
Charlotte (28214)
34,721 residents
- 28208
Charlotte (28208)
34,167 residents
- 28056
Gastonia (28056)
31,418 residents
- 28217
Charlotte (28217)
24,204 residents
- 28012
Belmont (28012)
20,048 residents
- 28120
Mount Holly (28120)
19,807 residents
- 28278
Charlotte (28278)
19,283 residents
- 28098 3,579
Lowell (28098)
3,579 residents
What this shows Among its immediate neighbors, ZIP 28012 ranks #6 by population - useful context the national average alone can't give.
ZIP 28012 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28278
Charlotte (28278)
$125,470 median income
- 28101
Mc Adenville (28101)
$111,042 median income
- 28056
Gastonia (28056)
$90,427 median income
- 28214
Charlotte (28214)
$86,447 median income
- 28012
Belmont (28012)
$83,391 median income
- 28120
Mount Holly (28120)
$78,231 median income
- 28217
Charlotte (28217)
$64,028 median income
- 28054
Gastonia (28054)
$61,035 median income
- 28032
Cramerton (28032)
$60,924 median income
What this shows By household income, ZIP 28012 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 28032 | Cramerton, NC | 3,105 | 2.8 mi |
| 28101 | Mc Adenville, NC | 698 | 3.9 mi |
| 28056 | Gastonia, NC | 31,418 | 4.8 mi |
| 28278 | Charlotte, NC | 19,283 | 5.9 mi |
| 28098 | Lowell, NC | 3,579 | 5.3 mi |
| 28120 | Mount Holly, NC | 19,807 | 8.4 mi |
| 28214 | Charlotte, NC | 34,721 | 6.0 mi |
| 28208 | Charlotte, NC | 34,167 | 7.5 mi |
| 28054 | Gastonia, NC | 36,270 | 7.2 mi |
| 28217 | Charlotte, NC | 24,204 | 7.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28012, both outside NC so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (20,048 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Gaston County
Related Areas
Frequently Asked Questions
What county is ZIP code 28012 in?
ZIP code 28012 (Belmont) is located in Gaston County, North Carolina. Gaston County contains multiple ZIP codes, see the full list at /counties/gaston-nc.
What is the population of ZIP code 28012?
ZIP code 28012 in Belmont, NC has a population of 20,048 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28012?
The median household income in ZIP 28012 is $83,391, which is 9% above the national average of $76,288.
What is the average home value in ZIP 28012?
The median home value in ZIP 28012 is $374,100, which is 34% above the national average of $278,155.
What is the demographic makeup of ZIP 28012?
The largest racial group in ZIP 28012 is White at 80.1%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 28012?
ZIP code 28012 has 662 business establishments employing approximately 9,046 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28012?
The top industries by establishment count in ZIP 28012 are: Other services (except public administration) (81), Accommodation and food services (74), Retail trade (73). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 28012?
According to the FHFA House Price Index, home values in ZIP 28012 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 196%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 28012?
In ZIP code 28012, 64.5% of residents aged 25+ have a high school diploma or higher, and 45.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 28012?
The mean commute time for workers in ZIP code 28012 is 26.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 28012?
In ZIP code 28012, approximately 69.6% of occupied housing units are owner-occupied and 30.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28012?
The poverty rate in ZIP code 28012 is 8.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 28012's numbers, next.
- See how ZIP 28012 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Belmont, NC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.