Residential delivery area · North Carolina
ZIP Code 28098: Lowell, NC
ZIP code 28098 is in Lowell, North Carolina, entirely in Gaston County (Census 2020 ZIP-county file). About 3,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $53,000 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Lowell (68%) and McAdenville (21%), and under 1% in smaller places; 11% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Lowell · its only residential ZIP
- County
- Gaston County
- Census places
- Lowell (68%); McAdenville (21%)
- Metro area
- Charlotte-Concord-Gastonia, NC-SC
- House district
- NC-14 119th Congress
- State
- North Carolina
- Time zone
- Eastern
- Land area
- 3.6 sq mi · 1,058 people per sq mi
Where is ZIP code 28098?
28098 centers on 35.271°, -81.101° and covers 3.6 square miles of land plus 0.1 of water. It borders 3 ZIP codes: 28101, 28054, 28056.
The map draws ZIP code areas only. For the streets inside 28098, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 28098 compare with the rest of Gaston County?
| Measure | 28098 | In Gaston County | In NC |
|---|---|---|---|
| People (ACS 2020-2024) | 3,851 | 12th of 17 | 476th of 853 |
| Median household income | $53k | not ranked | not ranked |
| Median home value | $202k | not ranked | not ranked |
28098's median household income is not ranked: its 90% margin of error (±$13,976) is more than a quarter of the figure ($53,000); 28098's median home value is not ranked: its 90% margin of error (±$75,838) is more than a quarter of the figure ($201,500). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 79% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 28098?
The 2020 Census counted 3,868 people in 28098; the ACS, which samples households over 2020-2024, estimates 3,851. Between the 2010 and 2020 censuses its population grew 8.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,851
- 2020 Census count
- 3,868+8.1% since 2010 (3,579)
- Households
- 1,768
- Median age
- 40.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 28098?
Of the 3,851 people the ACS estimates in 28098, 21.6% are under 18 and 16.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (70.8%), then Black (not Hispanic) (13.2%).
- Under 1821.6%
- 18 to 6461.6%
- 65 and older16.9%
- White, not Hispanic70.8%
- Black, not Hispanic13.2%
- Hispanic or Latino11.7%
- Other or two or more3.7%
- Asian, not Hispanic0.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 28098 earn?
Median household income is $53,000 (ACS 2020-2024). It is not measurably different from 2015-2019 ($66,372 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $53,000±$13,976
- Income per person
- $39,270
- Below the poverty line
- 17.4%
- Unemployed (of the labor force)
- 1.9%
- Adults 25+ with a bachelor's degree
- 23.2%
- Adjusted gross income per tax return, 2022
- $63,0631,710 returns; wages 75% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 28098?
FHFA's house price index for 28098, built from repeat sales and appraisals of the same homes, rose 137% from 2015 to 2025 and rose 57% from 2020 to 2025, and moved −2.3% in 2025.
- Median home value (owners' estimate)
- $201,500
- Median gross rent
- $1,603
- Homes owned by their occupants
- 75.6%
- Housing units
- 1,887
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 28098?
76 business establishments had a location in this ZIP code in 2023, 1 more than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)19
- Retail trade14
- Construction13
- Wholesale trade6
- Accommodation and food services5
- Administrative and support and waste management and remediation services4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 28098?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 28101 | McAdenville | 898 | $111k | 1.8 mi |
| 28054 | Gastonia | 41,707 | $61k | 2.9 mi |
| 28056 | Gastonia | 36,200 | $90k | 4.0 mi |
| 28032 | Cramerton | 2,869 | $61k | 2.9 mi (near) |
| 28012 | Belmont | 26,556 | $83k | 5.4 mi (near) |
| 28120 | Mount Holly | 25,805 | $78k | 5.8 mi (near) |
| 28034 | Dallas | 18,979 | $62k | 7.2 mi (near) |
| 28214 | Charlotte | 43,837 | $86k | 7.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.