Lincolnton, NC · standard
ZIP Code 28092
Lincoln County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 38,570
- 122/sq mi High-density area
- $60,984
- Median income Below-median income area
- $245,300
- Median home value Near-median home value
- 20.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Lincolnton pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 31st pct
- household income, US ZIPs
- Top 44%
- home value, US ZIPs
- 122
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28092 against every reporting US ZIP.
ZIP code 28092 is a densely settled ZIP (a standard USPS delivery area) in Lincolnton, Lincoln County, North Carolina, with 38,570 residents across 317.2 square miles, a density of 122 people per square mile, in the New York time zone.
ZIP 28092 reports a modest median household income of $60,984 (12% below the average North Carolina ZIP), while per-capita income is $34,377. The poverty rate is 16.5%, with unemployment at 3.0%; those measures add context to the income figure. Median home value is $245,300 (5% below the average North Carolina ZIP) and median rent is $996; 70.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 20.8% of adults hold a bachelor's degree or higher, the median age is 42.3, and the average commute is 27 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 4 more in Lincoln County, so 28092 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 28092
Top 5 sectors by establishment count in Lincolnton, NC
Which industries have the most business establishments in ZIP 28092.
- Retail trade
Retail trade
126 establishments
- Construction
Construction
111 establishments
- Health care and social assistance
Health care and social assistance
106 establishments
- Other services (except public administration)
Other services (except public administration)
100 establishments
- Accommodation and food services
Accommodation and food services
67 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 28092, Lincolnton, 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
38,570
Population
317.2
Area (sq mi)
122
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28092?
42.3
Median Age
50.4%
Male
49.6%
Female
7.4%
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?
$60,984
Median Household Income
-12% vs state ZIP avg
$34,377
Per Capita Income
16.5%
Poverty Rate
3.0%
Unemployment Rate
26.5 min
Mean Commute Time
How ZIP 28092 ranks nationally
Lincolnton, NC household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$60,984 31st percentile higher than 31% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,072housing units
17,072
Total Housing Units
15,929
Occupied Units
1,143
Vacant Units
2.49
Avg Household Size
Occupancy Type
$245,300
Median Home Value
-5% vs state ZIP avg
$996
Median Rent
1986
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
+0.2%
YoY Change (2024)
248
HPI Index (2000 = 100)
+148%
Total Change Since 2000
Home values in ZIP 28092 have increased 0.2% over the past year (2024). Since 2000, this ZIP has seen +148% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.0% | 159 |
| 2021 | +15.3% | 183 |
| 2022 | +21.6% | 223 |
| 2023 | +10.9% | 247 |
| 2024 | +0.2% | 248 |
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 812 business establishments in ZIP 28092, employing approximately 11,903 people with a combined annual payroll of $563,098,000.
812
Businesses
11,903
Employees
$563.1M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 126 | 15.5% |
| Construction | 111 | 13.7% |
| Health care and social assistance | 106 | 13.1% |
| Other services (except public administration) | 100 | 12.3% |
| Accommodation and food services | 67 | 8.3% |
| Manufacturing | 46 | 5.7% |
| Finance and insurance | 42 | 5.2% |
| Professional, scientific, and technical services | 41 | 5.0% |
| Administrative and support and waste management and remediation services | 41 | 5.0% |
| Transportation and warehousing | 39 | 4.8% |
| Real estate and rental and leasing | 37 | 4.6% |
| Wholesale trade | 22 | 2.7% |
| Information | 10 | 1.2% |
| Arts, entertainment, and recreation | 9 | 1.1% |
| Agriculture, forestry, fishing and hunting | 4 | 0.5% |
| Management of companies and enterprises | 4 | 0.5% |
| Educational services | 4 | 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 28092 vs 28077 →
ZIP 28092 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28092
Lincolnton (28092)
38,570 residents
- 28034
Dallas (28034)
16,642 residents
- 28650 11,883
Maiden (28650)
11,883 residents
- 28080 7,299
Iron Station (28080)
7,299 residents
- 28033 2,749
Crouse (28033)
2,749 residents
- 28077 482
High Shoals (28077)
482 residents
What this shows Among its immediate neighbors, ZIP 28092 ranks the most populous - useful context the national average alone can't give.
ZIP 28092 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28033
Crouse (28033)
$78,458 median income
- 28650
Maiden (28650)
$74,922 median income
- 28080
Iron Station (28080)
$71,997 median income
- 28034
Dallas (28034)
$62,083 median income
- 28092
Lincolnton (28092)
$60,984 median income
- 28077 $31,366
High Shoals (28077)
$31,366 median income
What this shows By household income, ZIP 28092 ranks #5 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28092, 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 (38,570 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lincoln County
Related Areas
Frequently Asked Questions
What county is ZIP code 28092 in?
ZIP code 28092 (Lincolnton) is located in Lincoln County, North Carolina. Lincoln County contains multiple ZIP codes, see the full list at /counties/lincoln-nc.
What is the population of ZIP code 28092?
ZIP code 28092 in Lincolnton, NC has a population of 38,570 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28092?
The median household income in ZIP 28092 is $60,984, which is 20% below the national average of $76,288.
What is the average home value in ZIP 28092?
The median home value in ZIP 28092 is $245,300, which is 12% below the national average of $278,155.
What is the demographic makeup of ZIP 28092?
The largest racial group in ZIP 28092 is White at 75.9%. Hispanic or Latino residents make up 12.7% of the population.
How many businesses are in ZIP code 28092?
ZIP code 28092 has 812 business establishments employing approximately 11,903 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28092?
The top industries by establishment count in ZIP 28092 are: Retail trade (126), Construction (111), Health care and social assistance (106). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 28092?
According to the FHFA House Price Index, home values in ZIP 28092 increased by 0.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 148%. 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 28092?
In ZIP code 28092, 52.5% of residents aged 25+ have a high school diploma or higher, and 20.8% 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 28092?
The mean commute time for workers in ZIP code 28092 is 26.5 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 28092?
In ZIP code 28092, approximately 70.0% of occupied housing units are owner-occupied and 30.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28092?
The poverty rate in ZIP code 28092 is 16.5% 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 28092's numbers, next.
- See how ZIP 28092 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lincolnton, 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.