Charlotte, NC · standard
ZIP Code 28212
Mecklenburg County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 38,457
- 1,607/sq mi
- $52,723
- Median income
- $266,900
- Median home value
- 23.1%
- Bachelor's or higher
The verdict
Charlotte pairs one of the lowest household incomes in the country with above-median home values, in a low-density, renter-heavy area.
- 18th pct
- household income, US ZIPs
- Top 39%
- home value, US ZIPs
- 1,607
- people per sq mi
- 38%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28212 against every reporting US ZIP.
ZIP code 28212 is classified by USPS as a standard delivery area and covers roughly 23.9 square miles in Charlotte, Mecklenburg County, North Carolina. The area is home to 38,457 residents, producing a population density of 1,607 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 28212 against North Carolina and the nation.
On the economic side, the median household income for ZIP 28212 sits at $52,723 (24% below the North Carolina average), while per-capita income is $26,936. The poverty rate stands at 16.4% and the unemployment rate at 5.8%. On housing, the median home value is $266,900 (3% above the state average) with median rent at $1,362 per month, and 38.0% of occupied units are owner-occupied, a direct signal of whether 28212 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 23.1% of adults hold a bachelor's degree or higher, the median age is 32.3, and the average commute is 30 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mecklenburg County, so you can benchmark 28212 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 28212
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 28212.
- Health care and social assistance
Health care and social assistance
87 establishments
- Retail trade
Retail trade
84 establishments
- Construction
Construction
81 establishments
- Other services (except public administration)
Other services (except public administration)
70 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
58 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 28212, Charlotte, 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
38,457
Population
23.9
Area (sq mi)
1,607
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28212?
32.3
Median Age
50.0%
Male
50.0%
Female
31.0%
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?
$52,723
Median Household Income
-24% vs state
$26,936
Per Capita Income
16.4%
Poverty Rate
5.8%
Unemployment Rate
29.8 min
Mean Commute Time
How ZIP 28212 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$52,723 18th percentile higher than 18% 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?
17,146
Total Housing Units
15,649
Occupied Units
1,497
Vacant Units
2.70
Avg Household Size
Occupancy Type
$266,900
Median Home Value
+3% vs state
$1,362
Median Rent
1981
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
+5.8%
YoY Change (2024)
318
HPI Index (2000 = 100)
+218%
Total Change Since 2000
Home values in ZIP 28212 have increased 5.8% over the past year (2024). Since 2000, this ZIP has seen +218% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.7% | 187 |
| 2021 | +17.3% | 220 |
| 2022 | +27.4% | 280 |
| 2023 | +7.3% | 300 |
| 2024 | +5.8% | 318 |
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 631 business establishments in ZIP 28212, employing approximately 6,758 people with a combined annual payroll of $422,819,000.
631
Businesses
6,758
Employees
$422.8M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 87 | 13.8% |
| Retail trade | 84 | 13.3% |
| Construction | 81 | 12.8% |
| Other services (except public administration) | 70 | 11.1% |
| Real estate and rental and leasing | 58 | 9.2% |
| Professional, scientific, and technical services | 55 | 8.7% |
| Accommodation and food services | 44 | 7.0% |
| Finance and insurance | 34 | 5.4% |
| Transportation and warehousing | 26 | 4.1% |
| Administrative and support and waste management and remediation services | 24 | 3.8% |
| Information | 18 | 2.9% |
| Educational services | 15 | 2.4% |
| Arts, entertainment, and recreation | 10 | 1.6% |
| Manufacturing | 9 | 1.4% |
| Wholesale trade | 8 | 1.3% |
| Management of companies and enterprises | 7 | 1.1% |
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 28212 vs 28211 →
ZIP 28212 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28215
Charlotte (28215)
53,629 residents
- 28227
Charlotte (28227)
49,635 residents
- 28205
Charlotte (28205)
43,931 residents
- 28105
Matthews (28105)
39,586 residents
- 28212
Charlotte (28212)
38,457 residents
- 28213
Charlotte (28213)
37,309 residents
- 28270
Charlotte (28270)
31,525 residents
- 28211
Charlotte (28211)
28,523 residents
- 28209 20,317
Charlotte (28209)
20,317 residents
What this shows Among its immediate neighbors, ZIP 28212 ranks #5 by population — useful context the national average alone can't give.
ZIP 28212 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28207
Charlotte (28207)
$217,204 median income
- 28211
Charlotte (28211)
$132,917 median income
- 28270
Charlotte (28270)
$131,667 median income
- 28105
Matthews (28105)
$108,190 median income
- 28209
Charlotte (28209)
$101,873 median income
- 28204
Charlotte (28204)
$92,054 median income
- 28227 $77,115
Charlotte (28227)
$77,115 median income
- 28205 $75,622
Charlotte (28205)
$75,622 median income
- 28215 $71,162
Charlotte (28215)
$71,162 median income
What this shows By household income, ZIP 28212 ranks #null of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 28211 | Charlotte, NC | 28,523 | 3.2 mi |
| 28205 | Charlotte, NC | 43,931 | 3.2 mi |
| 28207 | Charlotte, NC | 9,280 | 4.6 mi |
| 28270 | Charlotte, NC | 31,525 | 5.6 mi |
| 28227 | Charlotte, NC | 49,635 | 5.3 mi |
| 28105 | Matthews, NC | 39,586 | 5.3 mi |
| 28204 | Charlotte, NC | 4,796 | 4.9 mi |
| 28213 | Charlotte, NC | 37,309 | 6.6 mi |
| 28215 | Charlotte, NC | 53,629 | 4.9 mi |
| 28209 | Charlotte, NC | 20,317 | 6.2 mi |
More ZIP Codes in Mecklenburg County
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Frequently Asked Questions
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What is the population of ZIP code 28212? ▼
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How many businesses are in ZIP code 28212? ▼
What are the main industries in ZIP code 28212? ▼
How have home values changed in ZIP code 28212? ▼
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What is the average commute time in ZIP 28212? ▼
What percentage of residents own vs. rent in ZIP 28212? ▼
What is the poverty rate in ZIP code 28212? ▼
ZIP Code Research Guides
Official Data Resources for Charlotte, 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.