PlainZIP

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
$83,391
Median income
$374,100
Median home value
45.7%
Bachelor's or higher

The verdict

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.

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 North Carolina average), while per-capita income is $54,108. Poverty here runs at 8.8%, with unemployment measured at 4.2%. The typical home here is valued at $374,100 (44% above the state average); renters pay a median of $1,383 monthly, and 69.6% of units are owner-occupied.

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. To put 28012 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Gaston County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 28012?

40.2

Median Age

46.9%

Male

53.1%

Female

5.5%

Foreign-Born

White 80.1%
African American 6.8%
Asian 4.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.3%
Hispanic or Latino 5.4%

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

$54,108

Per Capita Income

8.8%

Poverty Rate

4.2%

Unemployment Rate

26.8 min

Mean Commute Time

How ZIP 28012 ranks nationally

Belmont, NC household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$83,391 Top 34% higher than 66% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 64.5%
Bachelor's Degree or Higher 45.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,810

Total Housing Units

11,141

Occupied Units

669

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 69.6%
Renter 30.4%

$374,100

Median Home Value

+44% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 28012 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28012 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Gaston County

28054 standard
Gastonia, NC
Pop: 36,270
28052 standard
Gastonia, NC
Pop: 34,932
28056 standard
Gastonia, NC
Pop: 31,418
28120 standard
Mount Holly, NC
Pop: 19,807
28034 standard
Dallas, NC
Pop: 16,642
28164 standard
Stanley, NC
Pop: 14,085

Related Areas

Gaston County Belmont, NC North Carolina

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.

Read our methodology to see how this data is sourced, computed, and verified.