Oakboro, NC · standard

ZIP Code 28129

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 14, 2026

5,399
49/sq mi: $69,906
Median income: $266,800
Median home value: 20.9%
Bachelor's or higher

The verdict

Oakboro pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

46th pct
household income, US ZIPs: Top 39%
home value, US ZIPs: 49
people per sq mi: 86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28129 against every reporting US ZIP.

ZIP code 28129 is classified by USPS as a standard delivery area and covers roughly 110.6 square miles in Oakboro, Stanly County, North Carolina. The area is home to 5,399 residents, producing a population density of 49 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 28129 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28129 sits at $69,906 (1% above the North Carolina average), while per-capita income is $37,823. The poverty rate stands at 5.9% and the unemployment rate at 2.5%. On housing, the median home value is $266,800 (3% above the state average) with median rent at $944 per month, and 85.8% of occupied units are owner-occupied, a direct signal of whether 28129 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.9% of adults hold a bachelor's degree or higher, the median age is 43.4, and the average commute is 31 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Stanly County, so you can benchmark 28129 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 28129

Construction

30
Other services (except public administration)

17
Retail trade

15
Manufacturing

9
Administrative and support and waste management and remediation services

8

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 28129, Oakboro, NC · 2023 Accessed 2026-06-14 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

5,399

Population

110.6

Area (sq mi)

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 28129?

43.4

Median Age

49.5%

Male

50.5%

Female

1.8%

Foreign-Born

White 86.1%

African American 6.6%

Asian 0.0%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 4.2%

Hispanic or Latino 4.6%

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?

$69,906

Median Household Income

+1% vs state

$37,823

Per Capita Income

5.9%

Poverty Rate

2.5%

Unemployment Rate

31.3 min

Mean Commute Time

How ZIP 28129 ranks nationally

Household income vs. every US ZIP code

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

$69,906 46th percentile higher than 46% 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?

High School Graduate or Higher 56.9%

Bachelor's Degree or Higher 20.9%

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

What does housing look like?

2,652

Total Housing Units

2,570

Occupied Units

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 85.8%

Renter 14.2%

$266,800

Median Home Value

+3% vs state

$944

Median Rent

1980

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

+4.9%

YoY Change (2024)

251

HPI Index (2000 = 100)

+151%

Total Change Since 2000

Home values in ZIP 28129 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +151% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+2.5%	155
2021	+20.8%	188
2022	+20.3%	226
2023	+5.9%	239
2024	+4.9%	251

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 112 business establishments in ZIP 28129, employing approximately 1,081 people with a combined annual payroll of $52,590,000.

112

Businesses

1,081

Employees

$52.6M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	30	26.8%
Other services (except public administration)	17	15.2%
Retail trade	15	13.4%
Manufacturing	9	8.0%
Administrative and support and waste management and remediation services	8	7.1%
Wholesale trade	6	5.4%
Real estate and rental and leasing	5	4.5%
Health care and social assistance	5	4.5%
Agriculture, forestry, fishing and hunting	4	3.6%
Accommodation and food services	4	3.6%
Finance and insurance	3	2.7%

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 28129 vs 28163 →

28001

26,760
28129

5,399
28097

5,369
28163

5,233

What this shows Among its immediate neighbors, ZIP 28129 ranks #2 by population — useful context the national average alone can't give.

28097

$76,594
28163

$72,386
28129

$69,906
28001

$54,804

What this shows By household income, ZIP 28129 ranks #3 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
28163	Stanfield, NC	5,233	6.0 mi
28097	Locust, NC	5,369	5.8 mi
28001	Albemarle, NC	26,760	10.0 mi

More ZIP Codes in Stanly County

Stanly County Oakboro, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28129 in? ▼

ZIP code 28129 (Oakboro) is located in Stanly County, North Carolina. Stanly County contains multiple ZIP codes, see the full list at /counties/stanly-nc.

What is the population of ZIP code 28129? ▼

ZIP code 28129 in Oakboro, NC has a population of 5,399 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 28129? ▼

The median household income in ZIP 28129 is $69,906, which is 8% below the national average of $76,288.

What is the average home value in ZIP 28129? ▼

The median home value in ZIP 28129 is $266,800, which is 4% below the national average of $278,155.

What is the demographic makeup of ZIP 28129? ▼

The largest racial group in ZIP 28129 is White at 86.1%. Hispanic or Latino residents make up 4.6% of the population.

How many businesses are in ZIP code 28129? ▼

ZIP code 28129 has 112 business establishments employing approximately 1,081 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 28129? ▼

The top industries by establishment count in ZIP 28129 are: Construction (30), Other services (except public administration) (17), Retail trade (15). There are 11 industry sectors represented in total.

How have home values changed in ZIP code 28129? ▼

According to the FHFA House Price Index, home values in ZIP 28129 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 151%. 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 28129? ▼

In ZIP code 28129, 56.9% of residents aged 25+ have a high school diploma or higher, and 20.9% 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 28129? ▼

The mean commute time for workers in ZIP code 28129 is 31.3 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 28129? ▼

In ZIP code 28129, approximately 85.8% of occupied housing units are owner-occupied and 14.2% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 28129? ▼

The poverty rate in ZIP code 28129 is 5.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.