Matthews, NC · standard
ZIP Code 28104
Union County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 28,040
- 370/sq mi
- $138,017
- Median income
- $533,500
- Median home value
- 58.9%
- Bachelor's or higher
The verdict
Matthews pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 5%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 370
- people per sq mi
- 91%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28104 against every reporting US ZIP.
ZIP code 28104 is classified by USPS as a standard delivery area and covers roughly 75.7 square miles in Matthews, Union County, North Carolina. The area is home to 28,040 residents, producing a population density of 370 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 28104 against North Carolina and the nation.
On the economic side, the median household income for ZIP 28104 sits at $138,017 (100% above the North Carolina average), while per-capita income is $64,298. The poverty rate stands at 4.6% and the unemployment rate at 4.3%. On housing, the median home value is $533,500 (106% above the state average) with median rent at $1,801 per month, and 90.6% of occupied units are owner-occupied, a direct signal of whether 28104 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 58.9% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 29 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Union County, so you can benchmark 28104 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 28104
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 28104.
- Construction
Construction
154 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
145 establishments
- Other services (except public administration)
Other services (except public administration)
93 establishments
- Retail trade
Retail trade
82 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
62 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 28104, Matthews, NC · 2023 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
28,040
Population
75.7
Area (sq mi)
370
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28104?
41.6
Median Age
48.4%
Male
51.6%
Female
13.9%
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?
$138,017
Median Household Income
+100% vs state
$64,298
Per Capita Income
4.6%
Poverty Rate
4.3%
Unemployment Rate
29.2 min
Mean Commute Time
How ZIP 28104 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$138,017 Top 5% higher than 95% 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?
13,427
Total Housing Units
12,889
Occupied Units
538
Vacant Units
2.84
Avg Household Size
Occupancy Type
$533,500
Median Home Value
+106% vs state
$1,801
Median Rent
2001
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
+3.0%
YoY Change (2024)
279
HPI Index (2000 = 100)
+179%
Total Change Since 2000
Home values in ZIP 28104 have increased 3.0% over the past year (2024). Since 2000, this ZIP has seen +179% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.2% | 170 |
| 2021 | +15.4% | 196 |
| 2022 | +26.9% | 248 |
| 2023 | +9.2% | 271 |
| 2024 | +3.0% | 279 |
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 912 business establishments in ZIP 28104, employing approximately 6,787 people with a combined annual payroll of $359,422,000.
912
Businesses
6,787
Employees
$359.4M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 154 | 16.9% |
| Professional, scientific, and technical services | 145 | 15.9% |
| Other services (except public administration) | 93 | 10.2% |
| Retail trade | 82 | 9.0% |
| Real estate and rental and leasing | 62 | 6.8% |
| Health care and social assistance | 60 | 6.6% |
| Administrative and support and waste management and remediation services | 58 | 6.4% |
| Accommodation and food services | 47 | 5.2% |
| Wholesale trade | 45 | 4.9% |
| Finance and insurance | 41 | 4.5% |
| Transportation and warehousing | 32 | 3.5% |
| Educational services | 25 | 2.7% |
| Manufacturing | 24 | 2.6% |
| Arts, entertainment, and recreation | 20 | 2.2% |
| Information | 12 | 1.3% |
| Management of companies and enterprises | 6 | 0.7% |
| Agriculture, forestry, fishing and hunting | 3 | 0.3% |
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 28104 vs 28105 →
ZIP 28104 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28277
Charlotte (28277)
59,664 residents
- 28227
Charlotte (28227)
49,635 residents
- 28173
Waxhaw (28173)
45,097 residents
- 28105
Matthews (28105)
39,586 residents
- 28212
Charlotte (28212)
38,457 residents
- 28226
Charlotte (28226)
37,286 residents
- 28079
Indian Trail (28079)
31,979 residents
- 28270
Charlotte (28270)
31,525 residents
- 28211
Charlotte (28211)
28,523 residents
What this shows Among its immediate neighbors, ZIP 28104 ranks #0 by population — useful context the national average alone can't give.
ZIP 28104 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28173
Waxhaw (28173)
$150,597 median income
- 28104
Matthews (28104)
$138,017 median income
- 28211
Charlotte (28211)
$132,917 median income
- 28270
Charlotte (28270)
$131,667 median income
- 28277
Charlotte (28277)
$128,627 median income
- 28226
Charlotte (28226)
$118,606 median income
- 28105
Matthews (28105)
$108,190 median income
- 28079
Indian Trail (28079)
$100,516 median income
- 28227
Charlotte (28227)
$77,115 median income
What this shows By household income, ZIP 28104 ranks #2 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 28105 | Matthews, NC | 39,586 | 4.0 mi |
| 28270 | Charlotte, NC | 31,525 | 5.0 mi |
| 28277 | Charlotte, NC | 59,664 | 6.9 mi |
| 28108 | Mineral Springs, NC | 54 | 8.8 mi |
| 28079 | Indian Trail, NC | 31,979 | 6.3 mi |
| 28227 | Charlotte, NC | 49,635 | 9.0 mi |
| 28226 | Charlotte, NC | 37,286 | 7.7 mi |
| 28173 | Waxhaw, NC | 45,097 | 10.1 mi |
| 28212 | Charlotte, NC | 38,457 | 9.3 mi |
| 28211 | Charlotte, NC | 28,523 | 9.4 mi |
More ZIP Codes in Union County
Related Areas
Frequently Asked Questions
What county is ZIP code 28104 in? ▼
What is the population of ZIP code 28104? ▼
What is the median household income in ZIP 28104? ▼
What is the average home value in ZIP 28104? ▼
What is the demographic makeup of ZIP 28104? ▼
How many businesses are in ZIP code 28104? ▼
What are the main industries in ZIP code 28104? ▼
How have home values changed in ZIP code 28104? ▼
What is the education level in ZIP code 28104? ▼
What is the average commute time in ZIP 28104? ▼
What percentage of residents own vs. rent in ZIP 28104? ▼
What is the poverty rate in ZIP code 28104? ▼
ZIP Code Research Guides
Official Data Resources for Matthews, NC
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.