Charlotte, NC · standard
ZIP Code 28227
Mecklenburg County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 49,635
- 495/sq mi High-density area
- $77,115
- Median income Near-median income area
- $349,700
- Median home value Above-median home value
- 31.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Charlotte pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 42%
- household income, US ZIPs
- Top 26%
- home value, US ZIPs
- 495
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28227 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 28227 (Charlotte, NC) rose +9.9% from 2023 to 2024. The all-transactions index moved from 260.2 in 2023 to 286.0 in 2024 (2000 = 100).
ZIP code 28227 is a densely settled ZIP (a standard USPS delivery area) in Charlotte, Mecklenburg County, North Carolina, with 49,635 residents across 100.3 square miles, a density of 495 people per square mile, in the New York time zone.
ZIP 28227 lands in the middle-income range, with a median household income of $77,115 (11% above the average North Carolina ZIP), while per-capita income is $38,094. The poverty rate is 10.4%, with unemployment at 5.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $349,700 (35% above the average North Carolina ZIP), while 70.2% of occupied homes are owner-occupied and median rent is $1,453.
A solid share of residents have a four-year degree: 31.5% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Mecklenburg County, so 28227 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 28227
Top 5 sectors by establishment count in Charlotte, NC
Which industries have the most business establishments in ZIP 28227.
- Construction
Construction
241 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
169 establishments
- Retail trade
Retail trade
159 establishments
- Other services (except public administration)
Other services (except public administration)
116 establishments
- Health care and social assistance
Health care and social assistance
111 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 28227, Charlotte, 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
49,635
Population
100.3
Area (sq mi)
495
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28227?
39.6
Median Age
47.4%
Male
52.6%
Female
17.5%
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?
$77,115
Median Household Income
+11% vs state ZIP avg
$38,094
Per Capita Income
10.4%
Poverty Rate
5.0%
Unemployment Rate
28.4 min
Mean Commute Time
How ZIP 28227 ranks nationally
Charlotte, NC household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$77,115 Top 42% higher than 58% 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
23,095housing units
23,095
Total Housing Units
21,910
Occupied Units
1,185
Vacant Units
2.75
Avg Household Size
Occupancy Type
$349,700
Median Home Value
+35% vs state ZIP avg
$1,453
Median Rent
1988
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
+9.9%
YoY Change (2024)
286
HPI Index (2000 = 100)
+186%
Total Change Since 2000
Home values in ZIP 28227 have increased 9.9% over the past year (2024). Since 2000, this ZIP has seen +186% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.1% | 171 |
| 2021 | +16.1% | 198 |
| 2022 | +26.0% | 250 |
| 2023 | +4.1% | 260 |
| 2024 | +9.9% | 286 |
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 1,295 business establishments in ZIP 28227, employing approximately 14,480 people with a combined annual payroll of $760,880,000.
1,295
Businesses
14,480
Employees
$760.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 241 | 18.6% |
| Professional, scientific, and technical services | 169 | 13.1% |
| Retail trade | 159 | 12.3% |
| Other services (except public administration) | 116 | 9.0% |
| Health care and social assistance | 111 | 8.6% |
| Accommodation and food services | 100 | 7.7% |
| Administrative and support and waste management and remediation services | 91 | 7.0% |
| Wholesale trade | 63 | 4.9% |
| Real estate and rental and leasing | 61 | 4.7% |
| Transportation and warehousing | 56 | 4.3% |
| Finance and insurance | 54 | 4.2% |
| Arts, entertainment, and recreation | 19 | 1.5% |
| Manufacturing | 18 | 1.4% |
| Information | 16 | 1.2% |
| Educational services | 14 | 1.1% |
| Management of companies and enterprises | 5 | 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 28227 vs 28212 →
ZIP 28227 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
- 28079
Indian Trail (28079)
31,979 residents
- 28270
Charlotte (28270)
31,525 residents
- 28211
Charlotte (28211)
28,523 residents
What this shows Among its immediate neighbors, ZIP 28227 ranks #2 by population - useful context the national average alone can't give.
ZIP 28227 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28075
Harrisburg (28075)
$144,288 median income
- 28104
Matthews (28104)
$138,017 median income
- 28211
Charlotte (28211)
$132,917 median income
- 28270
Charlotte (28270)
$131,667 median income
- 28105
Matthews (28105)
$108,190 median income
- 28079
Indian Trail (28079)
$100,516 median income
- 28227
Charlotte (28227)
$77,115 median income
- 28205
Charlotte (28205)
$75,622 median income
- 28215
Charlotte (28215)
$71,162 median income
What this shows By household income, ZIP 28227 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 28212 | Charlotte, NC | 38,457 | 5.3 mi |
| 28215 | Charlotte, NC | 53,629 | 4.8 mi |
| 28079 | Indian Trail, NC | 31,979 | 5.8 mi |
| 28075 | Harrisburg, NC | 16,143 | 8.1 mi |
| 28105 | Matthews, NC | 39,586 | 5.9 mi |
| 28211 | Charlotte, NC | 28,523 | 8.3 mi |
| 28205 | Charlotte, NC | 43,931 | 8.1 mi |
| 28104 | Matthews, NC | 28,040 | 9.0 mi |
| 28213 | Charlotte, NC | 37,309 | 8.2 mi |
| 28270 | Charlotte, NC | 31,525 | 8.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28227, 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 (49,635 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Mecklenburg County
Related Areas
Frequently Asked Questions
What county is ZIP code 28227 in?
ZIP code 28227 (Charlotte) is located in Mecklenburg County, North Carolina. Mecklenburg County contains multiple ZIP codes, see the full list at /counties/mecklenburg-nc.
What is the population of ZIP code 28227?
ZIP code 28227 in Charlotte, NC has a population of 49,635 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28227?
The median household income in ZIP 28227 is $77,115, which is 1% above the national average of $76,288.
What is the average home value in ZIP 28227?
The median home value in ZIP 28227 is $349,700, which is 26% above the national average of $278,155.
What is the demographic makeup of ZIP 28227?
The largest racial group in ZIP 28227 is White at 44.8%. Hispanic or Latino residents make up 19.1% of the population.
How many businesses are in ZIP code 28227?
ZIP code 28227 has 1,295 business establishments employing approximately 14,480 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28227?
The top industries by establishment count in ZIP 28227 are: Construction (241), Professional, scientific, and technical services (169), Retail trade (159). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 28227?
According to the FHFA House Price Index, home values in ZIP 28227 increased by 9.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 186%. 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 28227?
In ZIP code 28227, 54.3% of residents aged 25+ have a high school diploma or higher, and 31.5% 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 28227?
The mean commute time for workers in ZIP code 28227 is 28.4 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 28227?
In ZIP code 28227, approximately 70.2% of occupied housing units are owner-occupied and 29.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28227?
The poverty rate in ZIP code 28227 is 10.4% 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 28227's numbers, next.
- See how ZIP 28227 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Charlotte, 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.