Marshville, NC · standard

ZIP Code 28103

Union County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

10,311
26/sq mi: $76,924
Median income: $248,200
Median home value: 24.9%
Bachelor's or higher

The verdict

Marshville pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 42%
household income, US ZIPs: Top 43%
home value, US ZIPs: 26
people per sq mi: 82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28103 against every reporting US ZIP.

ZIP code 28103 is classified by USPS as a standard delivery area and covers roughly 401.2 square miles in Marshville, Union County, North Carolina. The area is home to 10,311 residents, producing a population density of 26 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 28103 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28103 sits at $76,924 (11% above the North Carolina average), while per-capita income is $34,517. The poverty rate stands at 7.5% and the unemployment rate at 3.9%. On housing, the median home value is $248,200 (4% below the state average) with median rent at $1,145 per month, and 81.5% of occupied units are owner-occupied, a direct signal of whether 28103 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 24.9% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 28 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Union County, so you can benchmark 28103 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 →

Top industries in ZIP 28103

Construction

47
Other services (except public administration)

33
Retail trade

24
Transportation and warehousing

21
Administrative and support and waste management and remediation services

15

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 28103, Marshville, NC · 2023 Accessed 2026-06-13 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

10,311

Population

401.2

Area (sq mi)

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 28103?

44.4

Median Age

49.0%

Male

51.0%

Female

2.9%

Foreign-Born

White 72.6%

African American 18.3%

Asian 0.0%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 4.6%

Hispanic or Latino 6.8%

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?

$76,924

Median Household Income

+11% vs state

$34,517

Per Capita Income

7.5%

Poverty Rate

3.9%

Unemployment Rate

27.8 min

Mean Commute Time

How ZIP 28103 ranks nationally

Household income vs. every US ZIP code

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

$76,924 Top 42% higher than 58% 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?

High School Graduate or Higher 52.9%

Bachelor's Degree or Higher 24.9%

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

What does housing look like?

4,475

Total Housing Units

4,101

Occupied Units

374

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 81.5%

Renter 18.5%

$248,200

Median Home Value

-4% vs state

$1,145

Median Rent

1980

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

+5.4%

YoY Change (2024)

267

HPI Index (2000 = 100)

+167%

Total Change Since 2000

Home values in ZIP 28103 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +167% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+5.2%	177
2021	+14.6%	203
2022	+16.6%	237
2023	+7.1%	254
2024	+5.4%	267

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 218 business establishments in ZIP 28103, employing approximately 3,603 people with a combined annual payroll of $154,396,000.

218

Businesses

3,603

Employees

$154.4M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	47	21.6%
Other services (except public administration)	33	15.1%
Retail trade	24	11.0%
Transportation and warehousing	21	9.6%
Administrative and support and waste management and remediation services	15	6.9%
Health care and social assistance	15	6.9%
Accommodation and food services	13	6.0%
Manufacturing	12	5.5%
Wholesale trade	8	3.7%
Finance and insurance	8	3.7%
Professional, scientific, and technical services	8	3.7%
Real estate and rental and leasing	4	1.8%
Information	3	1.4%
Arts, entertainment, and recreation	3	1.4%

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 28103 vs 28174 →

28103

10,311
28174

8,608
28135

6,123
28133

2,878

What this shows Among its immediate neighbors, ZIP 28103 ranks the most populous — useful context the national average alone can't give.

28103

$76,924
28174

$71,136
28135

$66,920
28133

$46,549

What this shows By household income, ZIP 28103 ranks the highest of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
28174	Wingate, NC	8,608	5.4 mi
28133	Peachland, NC	2,878	7.0 mi
28135	Polkton, NC	6,123	8.4 mi

More ZIP Codes in Union County

Union County Marshville, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28103 in? ▼

ZIP code 28103 (Marshville) is located in Union County, North Carolina. Union County contains multiple ZIP codes, see the full list at /counties/union-nc.

What is the population of ZIP code 28103? ▼

ZIP code 28103 in Marshville, NC has a population of 10,311 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 28103? ▼

The median household income in ZIP 28103 is $76,924, which is 1% above the national average of $76,288.

What is the average home value in ZIP 28103? ▼

The median home value in ZIP 28103 is $248,200, which is 11% below the national average of $278,155.

What is the demographic makeup of ZIP 28103? ▼

The largest racial group in ZIP 28103 is White at 72.6%. Hispanic or Latino residents make up 6.8% of the population.

How many businesses are in ZIP code 28103? ▼

ZIP code 28103 has 218 business establishments employing approximately 3,603 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 28103? ▼

The top industries by establishment count in ZIP 28103 are: Construction (47), Other services (except public administration) (33), Retail trade (24). There are 14 industry sectors represented in total.

How have home values changed in ZIP code 28103? ▼

According to the FHFA House Price Index, home values in ZIP 28103 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 167%. 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 28103? ▼

In ZIP code 28103, 52.9% of residents aged 25+ have a high school diploma or higher, and 24.9% 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 28103? ▼

The mean commute time for workers in ZIP code 28103 is 27.8 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 28103? ▼

In ZIP code 28103, approximately 81.5% of occupied housing units are owner-occupied and 18.5% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 28103? ▼

The poverty rate in ZIP code 28103 is 7.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.