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
- $83,480
- Median income
- $342,600
- Median home value
- 25.6%
- Bachelor's or higher
The verdict
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.
ZIP code 28110 is classified by USPS as a standard delivery area and covers roughly 333.8 square miles in Monroe, Union County, North Carolina. The area is home to 50,365 residents, producing a population density of 151 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 28110 against North Carolina and the nation.
On the economic side, the median household income for ZIP 28110 sits at $83,480 (21% above the North Carolina average), while per-capita income is $34,343. The poverty rate stands at 11.3% and the unemployment rate at 3.4%. On housing, the median home value is $342,600 (32% above the state average) with median rent at $1,376 per month, and 75.0% of occupied units are owner-occupied, a direct signal of whether 28110 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 25.6% of adults hold a bachelor's degree or higher, the median age is 36.9, and the average commute is 31 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Union County, so you can benchmark 28110 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 28110
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$34,343
Per Capita Income
11.3%
Poverty Rate
3.4%
Unemployment Rate
31.4 min
Mean Commute Time
How ZIP 28110 ranks nationally
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?
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
$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.
More ZIP Codes in Union County
Related Areas
Frequently Asked Questions
What county is ZIP code 28110 in? ▼
What is the population of ZIP code 28110? ▼
What is the median household income in ZIP 28110? ▼
What is the average home value in ZIP 28110? ▼
What is the demographic makeup of ZIP 28110? ▼
How many businesses are in ZIP code 28110? ▼
What are the main industries in ZIP code 28110? ▼
How have home values changed in ZIP code 28110? ▼
What is the education level in ZIP code 28110? ▼
What is the average commute time in ZIP 28110? ▼
What percentage of residents own vs. rent in ZIP 28110? ▼
What is the poverty rate in ZIP code 28110? ▼
ZIP Code Research Guides
Official Data Resources for Monroe, 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.