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
- $77,115
- Median income
- $349,700
- Median home value
- 31.5%
- Bachelor's or higher
The verdict
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.
ZIP code 28227 is classified by USPS as a standard delivery area and covers roughly 100.3 square miles in Charlotte, Mecklenburg County, North Carolina. The area is home to 49,635 residents, producing a population density of 495 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 28227 against North Carolina and the nation.
On the economic side, the median household income for ZIP 28227 sits at $77,115 (11% above the North Carolina average), while per-capita income is $38,094. The poverty rate stands at 10.4% and the unemployment rate at 5.0%. On housing, the median home value is $349,700 (35% above the state average) with median rent at $1,453 per month, and 70.2% of occupied units are owner-occupied, a direct signal of whether 28227 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 31.5% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is 28 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mecklenburg County, so you can benchmark 28227 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 28227
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$38,094
Per Capita Income
10.4%
Poverty Rate
5.0%
Unemployment Rate
28.4 min
Mean Commute Time
How ZIP 28227 ranks nationally
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?
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
$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 |
More ZIP Codes in Mecklenburg County
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Frequently Asked Questions
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What is the population of ZIP code 28227? ▼
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How many businesses are in ZIP code 28227? ▼
What are the main industries in ZIP code 28227? ▼
How have home values changed in ZIP code 28227? ▼
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What percentage of residents own vs. rent in ZIP 28227? ▼
What is the poverty rate in ZIP code 28227? ▼
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.