Charlotte, NC · standard

ZIP Code 28270

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

31,525
965/sq mi
$131,667
Median income
$589,500
Median home value
67.6%
Bachelor's or higher

The verdict

Charlotte pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 7%
household income, US ZIPs
Top 10%
home value, US ZIPs
965
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28270 against every reporting US ZIP.

ZIP code 28270 is classified by USPS as a standard delivery area and covers roughly 32.7 square miles in Charlotte, Mecklenburg County, North Carolina. The area is home to 31,525 residents, producing a population density of 965 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 28270 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28270 sits at $131,667 (90% above the North Carolina average), while per-capita income is $75,801. The poverty rate stands at 6.2% and the unemployment rate at 3.9%. On housing, the median home value is $589,500 (127% above the state average) with median rent at $1,763 per month, and 76.8% of occupied units are owner-occupied, a direct signal of whether 28270 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 67.6% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 27 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mecklenburg County, so you can benchmark 28270 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 28270

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 28270.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 28270, 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

31,525

Population

32.7

Area (sq mi)

965

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 28270?

40.0

Median Age

49.0%

Male

51.0%

Female

16.5%

Foreign-Born

White 68.0%
African American 10.9%
Asian 8.8%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.0%
Hispanic or Latino 9.3%

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?

$131,667

Median Household Income

+90% vs state

$75,801

Per Capita Income

6.2%

Poverty Rate

3.9%

Unemployment Rate

26.7 min

Mean Commute Time

How ZIP 28270 ranks nationally

Household income vs. every US ZIP code

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

$131,667 Top 7% higher than 93% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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 77.6%
Bachelor's Degree or Higher 67.6%

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

What does housing look like?

12,548

Total Housing Units

12,148

Occupied Units

400

Vacant Units

2.67

Avg Household Size

Occupancy Type

Owner 76.8%
Renter 23.2%

$589,500

Median Home Value

+127% vs state

$1,763

Median Rent

1992

Median Year Built

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

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.5%

YoY Change (2024)

302

HPI Index (2000 = 100)

+202%

Total Change Since 2000

Home values in ZIP 28270 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +202% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.3% 182
2021 +13.0% 206
2022 +24.1% 255
2023 +11.1% 284
2024 +6.5% 302

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 756 business establishments in ZIP 28270, employing approximately 6,041 people with a combined annual payroll of $261,496,000.

756

Businesses

6,041

Employees

$261.5M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 164 21.7%
Real estate and rental and leasing 90 11.9%
Other services (except public administration) 69 9.1%
Construction 62 8.2%
Retail trade 61 8.1%
Health care and social assistance 61 8.1%
Administrative and support and waste management and remediation services 50 6.6%
Accommodation and food services 48 6.3%
Wholesale trade 37 4.9%
Finance and insurance 36 4.8%
Educational services 23 3.0%
Information 16 2.1%
Transportation and warehousing 15 2.0%
Arts, entertainment, and recreation 11 1.5%
Manufacturing 10 1.3%

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 28270 vs 28105 →

ZIP 28270 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 28270 ranks #7 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28270 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 28270 ranks #4 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
28105 Matthews, NC 39,586 2.7 mi
28226 Charlotte, NC 37,286 3.4 mi
28211 Charlotte, NC 28,523 4.5 mi
28212 Charlotte, NC 38,457 5.6 mi
28104 Matthews, NC 28,040 5.0 mi
28210 Charlotte, NC 42,263 5.5 mi
28277 Charlotte, NC 59,664 5.1 mi
28205 Charlotte, NC 43,931 7.8 mi
28207 Charlotte, NC 9,280 7.0 mi
28134 Pineville, NC 9,453 7.6 mi

More ZIP Codes in Mecklenburg County

Frequently Asked Questions

What county is ZIP code 28270 in?
ZIP code 28270 (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 28270?
ZIP code 28270 in Charlotte, NC has a population of 31,525 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28270?
The median household income in ZIP 28270 is $131,667, which is 73% above the national average of $76,288.
What is the average home value in ZIP 28270?
The median home value in ZIP 28270 is $589,500, which is 112% above the national average of $278,155.
What is the demographic makeup of ZIP 28270?
The largest racial group in ZIP 28270 is White at 68.0%. Hispanic or Latino residents make up 9.3% of the population.
How many businesses are in ZIP code 28270?
ZIP code 28270 has 756 business establishments employing approximately 6,041 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28270?
The top industries by establishment count in ZIP 28270 are: Professional, scientific, and technical services (164), Real estate and rental and leasing (90), Other services (except public administration) (69). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 28270?
According to the FHFA House Price Index, home values in ZIP 28270 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 202%. 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 28270?
In ZIP code 28270, 77.6% of residents aged 25+ have a high school diploma or higher, and 67.6% 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 28270?
The mean commute time for workers in ZIP code 28270 is 26.7 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 28270?
In ZIP code 28270, approximately 76.8% of occupied housing units are owner-occupied and 23.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28270?
The poverty rate in ZIP code 28270 is 6.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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Official Data Resources for Charlotte, NC

Verify and explore additional data for this area using these official government sources.