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 classified by USPS as a standard delivery area and covers roughly 61.7 square miles in Matthews, Mecklenburg County, North Carolina. The area is home to 39,586 residents, producing a population density of 642 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 28105 against North Carolina and the nation.
On the economic side, the median household income for ZIP 28105 sits at $108,190 (56% above the North Carolina average), while per-capita income is $49,896. The poverty rate stands at 6.0% and the unemployment rate at 2.9%. On housing, the median home value is $430,800 (66% above the state average) with median rent at $1,765 per month, and 67.6% of occupied units are owner-occupied, a direct signal of whether 28105 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 53.5% of adults hold a bachelor's degree or higher, the median age is 39.2, and the average commute is 26 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mecklenburg County, so you can benchmark 28105 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 28105
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 28105.
- Health care and social assistance
Health care and social assistance
223 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
211 establishments
- Retail trade
Retail trade
192 establishments
- Other services (except public administration)
Other services (except public administration)
171 establishments
- Construction
Construction
155 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 28105, 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
39,586
Population
61.7
Area (sq mi)
642
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28105?
39.2
Median Age
49.0%
Male
51.0%
Female
17.0%
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?
$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
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
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?
18,283
Total Housing Units
17,285
Occupied Units
998
Vacant Units
2.69
Avg Household Size
Occupancy Type
$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.
- 28277
Charlotte (28277)
59,664 residents
- 28215
Charlotte (28215)
53,629 residents
- 28227
Charlotte (28227)
49,635 residents
- 28210
Charlotte (28210)
42,263 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
What this shows Among its immediate neighbors, ZIP 28105 ranks #5 by population — useful context the national average alone can't give.
ZIP 28105 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 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
- 28210
Charlotte (28210)
$100,824 median income
- 28079
Indian Trail (28079)
$100,516 median income
- 28227
Charlotte (28227)
$77,115 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.
| 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
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Frequently Asked Questions
What county is ZIP code 28105 in? ▼
What is the population of ZIP code 28105? ▼
What is the median household income in ZIP 28105? ▼
What is the average home value in ZIP 28105? ▼
What is the demographic makeup of ZIP 28105? ▼
How many businesses are in ZIP code 28105? ▼
What are the main industries in ZIP code 28105? ▼
How have home values changed in ZIP code 28105? ▼
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What percentage of residents own vs. rent in ZIP 28105? ▼
What is the poverty rate in ZIP code 28105? ▼
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.