Monroe, NC · standard
ZIP Code 28110
Union County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 50,365
- 151/sq mi High-density area
- $83,480
- Median income Above-median income area
- $342,600
- Median home value Above-median home value
- 25.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Monroe pairs an above-median household income with above-median home values, in a rural, homeowner-dominated and unusually populous area.
- Top 34%
- household income, US ZIPs
- Top 27%
- home value, US ZIPs
- 151
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28110 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 28110 (Monroe, NC) rose +7.1% from 2023 to 2024. The all-transactions index moved from 255.1 in 2023 to 273.4 in 2024 (2000 = 100).
ZIP code 28110 is a densely settled ZIP (a standard USPS delivery area) in Monroe, Union County, North Carolina, with 50,365 residents across 333.8 square miles, a density of 151 people per square mile, in the New York time zone.
ZIP 28110 lands in the middle-income range, with a median household income of $83,480 (21% above the average North Carolina ZIP), while per-capita income is $34,343. The poverty rate is 11.3%, with unemployment at 3.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $342,600 (32% above the average North Carolina ZIP), while 75.0% of occupied homes are owner-occupied and median rent is $1,376.
Educational attainment sits below the national norm: 25.6% of adults hold a bachelor's degree or higher, the median age is 36.9, and the average commute is 31 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Union County, so 28110 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 28110
Top 5 sectors by establishment count in Monroe, NC
Which industries have the most business establishments in ZIP 28110.
- Construction
Construction
275 establishments
- Retail trade
Retail trade
222 establishments
- Other services (except public administration)
Other services (except public administration)
147 establishments
- Accommodation and food services 109
Accommodation and food services
109 establishments
- Administrative and support and waste management and remediation services 108
Administrative and support and waste management and remediation services
108 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 28110, Monroe, 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
50,365
Population
333.8
Area (sq mi)
151
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28110?
36.9
Median Age
50.9%
Male
49.1%
Female
13.0%
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?
$83,480
Median Household Income
+21% vs state ZIP avg
$34,343
Per Capita Income
11.3%
Poverty Rate
3.4%
Unemployment Rate
31.4 min
Mean Commute Time
How ZIP 28110 ranks nationally
Monroe, NC household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$83,480 Top 34% higher than 66% 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?
Housing stock: occupied vs vacant
20,817housing units
20,817
Total Housing Units
19,464
Occupied Units
1,353
Vacant Units
2.91
Avg Household Size
Occupancy Type
$342,600
Median Home Value
+32% vs state ZIP avg
$1,376
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
+7.1%
YoY Change (2024)
273
HPI Index (2000 = 100)
+173%
Total Change Since 2000
Home values in ZIP 28110 have increased 7.1% over the past year (2024). Since 2000, this ZIP has seen +173% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.9% | 166 |
| 2021 | +17.1% | 195 |
| 2022 | +22.7% | 239 |
| 2023 | +6.8% | 255 |
| 2024 | +7.1% | 273 |
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 1,509 business establishments in ZIP 28110, employing approximately 22,849 people with a combined annual payroll of $1,327,131,000.
1,509
Businesses
22,849
Employees
$1.3B
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 275 | 18.2% |
| Retail trade | 222 | 14.7% |
| Other services (except public administration) | 147 | 9.7% |
| Accommodation and food services | 109 | 7.2% |
| Administrative and support and waste management and remediation services | 108 | 7.2% |
| Manufacturing | 107 | 7.1% |
| Wholesale trade | 100 | 6.6% |
| Professional, scientific, and technical services | 99 | 6.6% |
| Health care and social assistance | 83 | 5.5% |
| Transportation and warehousing | 78 | 5.2% |
| Finance and insurance | 63 | 4.2% |
| Real estate and rental and leasing | 59 | 3.9% |
| Information | 20 | 1.3% |
| Arts, entertainment, and recreation | 19 | 1.3% |
| Educational services | 13 | 0.9% |
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 28110 vs 28079 →
ZIP 28110 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28110
Monroe (28110)
50,365 residents
- 28227
Charlotte (28227)
49,635 residents
- 28079
Indian Trail (28079)
31,979 residents
- 28174 8,608
Wingate (28174)
8,608 residents
- 28163 5,233
Stanfield (28163)
5,233 residents
What this shows Among its immediate neighbors, ZIP 28110 ranks the most populous - useful context the national average alone can't give.
ZIP 28110 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28079
Indian Trail (28079)
$100,516 median income
- 28110
Monroe (28110)
$83,480 median income
- 28227
Charlotte (28227)
$77,115 median income
- 28163
Stanfield (28163)
$72,386 median income
- 28174
Wingate (28174)
$71,136 median income
What this shows By household income, ZIP 28110 ranks #2 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28110, 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 (50,365 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 28110 in?
ZIP code 28110 (Monroe) 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 28110?
ZIP code 28110 in Monroe, NC has a population of 50,365 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28110?
The median household income in ZIP 28110 is $83,480, which is 9% above the national average of $76,288.
What is the average home value in ZIP 28110?
The median home value in ZIP 28110 is $342,600, which is 23% above the national average of $278,155.
What is the demographic makeup of ZIP 28110?
The largest racial group in ZIP 28110 is White at 65.5%. Hispanic or Latino residents make up 21.6% of the population.
How many businesses are in ZIP code 28110?
ZIP code 28110 has 1,509 business establishments employing approximately 22,849 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28110?
The top industries by establishment count in ZIP 28110 are: Construction (275), Retail trade (222), Other services (except public administration) (147). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 28110?
According to the FHFA House Price Index, home values in ZIP 28110 increased by 7.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 173%. 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 28110?
In ZIP code 28110, 54.7% of residents aged 25+ have a high school diploma or higher, and 25.6% 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 28110?
The mean commute time for workers in ZIP code 28110 is 31.4 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 28110?
In ZIP code 28110, approximately 75.0% of occupied housing units are owner-occupied and 25.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28110?
The poverty rate in ZIP code 28110 is 11.3% 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 28110's numbers, next.
- See how ZIP 28110 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Monroe, 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.