ZIP Code 28040

ZIP code 28040 is classified by USPS as a standard delivery area and covers roughly 184.0 square miles in Ellenboro, Rutherford County, North Carolina. The area is home to 7,969 residents, producing a population density of 43 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 28040 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28040 sits at $58,816 (15% below the North Carolina average), while per-capita income is $29,929. The poverty rate stands at 9.6% and the unemployment rate at 7.4%. On housing, the median home value is $169,500 (35% below the state average) with median rent at $750 per month, and 85.1% of occupied units are owner-occupied, a direct signal of whether 28040 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 17.3% of adults hold a bachelor's degree or higher, the median age is 45.1, and the average commute is 25 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Rutherford County, so you can benchmark 28040 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →