PlainZIP

Matthews, NC · standard

ZIP Code 28105

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

39,586
642/sq mi
$108,190
Median income
$430,800
Median home value
53.5%
Bachelor's or higher

The verdict

Matthews pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 14%
household income, US ZIPs
Top 18%
home value, US ZIPs
642
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28105 against every reporting US ZIP.

ZIP code 28105 is a densely settled ZIP (a standard USPS delivery area) in Matthews, Mecklenburg County, North Carolina, with 39,586 residents across 61.7 square miles, a density of 642 people per square mile, in the New York time zone.

ZIP 28105 lands in the middle-income range, with a median household income of $108,190 (56% above the North Carolina average), while per-capita income is $49,896. Local economic indicators show a 6.0% poverty rate alongside 2.9% unemployment. The typical home here is valued at $430,800 (66% above the state average); renters pay a median of $1,765 monthly, and 67.6% of units are owner-occupied.

This is a highly-educated ZIP: 53.5% of adults hold a bachelor's degree or higher, the median age is 39.2, and the average commute is 26 minutes. To put 28105 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Mecklenburg County, for a geography-aware comparison.

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 28105

Top 5 sectors by establishment count in Matthews, NC

Which industries have the most business establishments in ZIP 28105.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 28105, 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

39,586

Population

61.7

Area (sq mi)

642

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 28105?

39.2

Median Age

49.0%

Male

51.0%

Female

17.0%

Foreign-Born

White 65.3%
African American 13.3%
Asian 9.7%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.9%
Hispanic or Latino 9.0%

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?

$108,190

Median Household Income

+56% vs state

$49,896

Per Capita Income

6.0%

Poverty Rate

2.9%

Unemployment Rate

25.7 min

Mean Commute Time

How ZIP 28105 ranks nationally

Matthews, NC household income vs. every US ZIP code

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

$108,190 Top 14% higher than 86% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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 71.0%
Bachelor's Degree or Higher 53.5%

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

What does housing look like?

18,283

Total Housing Units

17,285

Occupied Units

998

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 67.6%
Renter 32.4%

$430,800

Median Home Value

+66% vs state

$1,765

Median Rent

1996

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

+6.2%

YoY Change (2024)

287

HPI Index (2000 = 100)

+187%

Total Change Since 2000

Home values in ZIP 28105 have increased 6.2% over the past year (2024). Since 2000, this ZIP has seen +187% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.2% 176
2021 +14.3% 202
2022 +21.7% 245
2023 +10.1% 270
2024 +6.2% 287

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 1,589 business establishments in ZIP 28105, employing approximately 21,636 people with a combined annual payroll of $1,090,902,000.

1,589

Businesses

21,636

Employees

$1.1B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 223 14.0%
Professional, scientific, and technical services 211 13.3%
Retail trade 192 12.1%
Other services (except public administration) 171 10.8%
Construction 155 9.8%
Accommodation and food services 137 8.6%
Real estate and rental and leasing 95 6.0%
Finance and insurance 89 5.6%
Administrative and support and waste management and remediation services 83 5.2%
Wholesale trade 65 4.1%
Transportation and warehousing 40 2.5%
Manufacturing 34 2.1%
Arts, entertainment, and recreation 31 1.9%
Educational services 28 1.8%
Information 22 1.4%
Management of companies and enterprises 7 0.4%

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 28105 vs 28270 →

ZIP 28105 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 28105 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28105 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 28105 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
28270 Charlotte, NC 31,525 2.7 mi
28104 Matthews, NC 28,040 4.0 mi
28212 Charlotte, NC 38,457 5.3 mi
28079 Indian Trail, NC 31,979 6.2 mi
28226 Charlotte, NC 37,286 6.1 mi
28227 Charlotte, NC 49,635 5.9 mi
28211 Charlotte, NC 28,523 5.9 mi
28215 Charlotte, NC 53,629 9.1 mi
28210 Charlotte, NC 42,263 8.1 mi
28277 Charlotte, NC 59,664 7.4 mi

More ZIP Codes in Mecklenburg County

28269 standard
Charlotte, NC
Pop: 71,048
28277 standard
Charlotte, NC
Pop: 59,664
28215 standard
Charlotte, NC
Pop: 53,629
28078 standard
Huntersville, NC
Pop: 52,133
28227 standard
Charlotte, NC
Pop: 49,635
28216 standard
Charlotte, NC
Pop: 47,208

Related Areas

Mecklenburg County Matthews, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28105 in? ▼
ZIP code 28105 (Matthews) is located in Mecklenburg County, North Carolina. Mecklenburg County contains multiple ZIP codes, see the full list at /counties/mecklenburg-nc.
What is the population of ZIP code 28105? ▼
ZIP code 28105 in Matthews, NC has a population of 39,586 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28105? ▼
The median household income in ZIP 28105 is $108,190, which is 42% above the national average of $76,288.
What is the average home value in ZIP 28105? ▼
The median home value in ZIP 28105 is $430,800, which is 55% above the national average of $278,155.
What is the demographic makeup of ZIP 28105? ▼
The largest racial group in ZIP 28105 is White at 65.3%. Hispanic or Latino residents make up 9.0% of the population.
How many businesses are in ZIP code 28105? ▼
ZIP code 28105 has 1,589 business establishments employing approximately 21,636 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28105? ▼
The top industries by establishment count in ZIP 28105 are: Health care and social assistance (223), Professional, scientific, and technical services (211), Retail trade (192). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 28105? ▼
According to the FHFA House Price Index, home values in ZIP 28105 increased by 6.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 187%. 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 28105? ▼
In ZIP code 28105, 71.0% of residents aged 25+ have a high school diploma or higher, and 53.5% 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 28105? ▼
The mean commute time for workers in ZIP code 28105 is 25.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 28105? ▼
In ZIP code 28105, approximately 67.6% of occupied housing units are owner-occupied and 32.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28105? ▼
The poverty rate in ZIP code 28105 is 6.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.