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 High-density area
- $138,017
- Median income Above-median income area
- $533,500
- Median home value Above-median home value
- 58.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28104 (Matthews, NC) rose +3.0% from 2023 to 2024. The all-transactions index moved from 271.2 in 2023 to 279.2 in 2024 (2000 = 100).
ZIP code 28104 is a densely settled ZIP (a standard USPS delivery area) in Matthews, Union County, North Carolina, with 28,040 residents across 75.7 square miles, a density of 370 people per square mile, in the New York time zone.
ZIP 28104 skews affluent, with a median household income of $138,017 (100% above the average North Carolina ZIP), while per-capita income is $64,298. The poverty rate is 4.6%, with unemployment at 4.3%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $533,500 (106% above the average North Carolina ZIP), while 90.6% of occupied homes are owner-occupied and median rent is $1,801.
This is a highly-educated ZIP: 58.9% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 29 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Union County, so 28104 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 28104
Top 5 sectors by establishment count in Matthews, NC
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$64,298
Per Capita Income
4.6%
Poverty Rate
4.3%
Unemployment Rate
29.2 min
Mean Commute Time
How ZIP 28104 ranks among North Carolina ZIPs
Matthews, NC household income vs. every North Carolina ZIP code
Median household income among 749 reporting North Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$138,017 Top 2% higher than 98% of 749 North Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more North Carolina 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
13,427housing units
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 ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28104, 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 (28,040 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Union County
Related Areas
Frequently Asked Questions
What county is ZIP code 28104 in?
ZIP code 28104 (Matthews) 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 28104?
ZIP code 28104 in Matthews, NC has a population of 28,040 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28104?
The median household income in ZIP 28104 is $138,017, which is 81% above the national average of $76,288.
What is the average home value in ZIP 28104?
The median home value in ZIP 28104 is $533,500, which is 92% above the national average of $278,155.
What is the demographic makeup of ZIP 28104?
The largest racial group in ZIP 28104 is White at 74.5%. Hispanic or Latino residents make up 8.1% of the population.
How many businesses are in ZIP code 28104?
ZIP code 28104 has 912 business establishments employing approximately 6,787 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28104?
The top industries by establishment count in ZIP 28104 are: Construction (154), Professional, scientific, and technical services (145), Other services (except public administration) (93). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 28104?
According to the FHFA House Price Index, home values in ZIP 28104 increased by 3.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 179%. 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 28104?
In ZIP code 28104, 72.4% of residents aged 25+ have a high school diploma or higher, and 58.9% 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 28104?
The mean commute time for workers in ZIP code 28104 is 29.2 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 28104?
In ZIP code 28104, approximately 90.6% of occupied housing units are owner-occupied and 9.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28104?
The poverty rate in ZIP code 28104 is 4.6% 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 28104's numbers, next.
- See how ZIP 28104 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Matthews, 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.