Granite Falls, NC · standard

ZIP Code 28630

Caldwell 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 13, 2026

20,041
129/sq mi: $63,835
Median income: $202,400
Median home value: 18.1%
Bachelor's or higher

The verdict

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

36th pct
household income, US ZIPs: 44th pct
home value, US ZIPs: 129
people per sq mi: 76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28630 against every reporting US ZIP.

ZIP code 28630 is classified by USPS as a standard delivery area and covers roughly 155.4 square miles in Granite Falls, Caldwell County, North Carolina. The area is home to 20,041 residents, producing a population density of 129 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 28630 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28630 sits at $63,835 (8% below the North Carolina average), while per-capita income is $36,988. The poverty rate stands at 12.4% and the unemployment rate at 7.5%. On housing, the median home value is $202,400 (22% below the state average) with median rent at $853 per month, and 75.9% of occupied units are owner-occupied, a direct signal of whether 28630 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 18.1% of adults hold a bachelor's degree or higher, the median age is 47.3, and the average commute is 25 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Caldwell County, so you can benchmark 28630 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 28630

Retail trade

52
Construction

49
Other services (except public administration)

47
Manufacturing

27
Accommodation and food services

21

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 28630, Granite Falls, NC · 2023 Accessed 2026-06-13 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

20,041

Population

155.4

Area (sq mi)

129

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 28630?

47.3

Median Age

52.9%

Male

47.1%

Female

1.4%

Foreign-Born

White 89.5%

African American 2.4%

Asian 0.2%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 0.1%

Two or More Ethnicities 4.6%

Hispanic or Latino 4.3%

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?

$63,835

Median Household Income

-8% vs state

$36,988

Per Capita Income

12.4%

Poverty Rate

7.5%

Unemployment Rate

24.8 min

Mean Commute Time

How ZIP 28630 ranks nationally

Household income vs. every US ZIP code

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

$63,835 36th percentile higher than 36% 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 51.1%

Bachelor's Degree or Higher 18.1%

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

What does housing look like?

9,115

Total Housing Units

7,917

Occupied Units

1,198

Vacant Units

2.43

Avg Household Size

Occupancy Type

Owner 75.9%

Renter 24.1%

$202,400

Median Home Value

-22% vs state

$853

Median Rent

1987

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

+11.1%

YoY Change (2024)

240

HPI Index (2000 = 100)

+140%

Total Change Since 2000

Home values in ZIP 28630 have increased 11.1% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+6.7%	148
2021	+11.3%	165
2022	+16.8%	192
2023	+12.5%	216
2024	+11.1%	240

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 317 business establishments in ZIP 28630, employing approximately 4,350 people with a combined annual payroll of $186,881,000.

317

Businesses

4,350

Employees

$186.9M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	52	16.4%
Construction	49	15.5%
Other services (except public administration)	47	14.8%
Manufacturing	27	8.5%
Accommodation and food services	21	6.6%
Professional, scientific, and technical services	20	6.3%
Administrative and support and waste management and remediation services	19	6.0%
Health care and social assistance	19	6.0%
Finance and insurance	18	5.7%
Wholesale trade	16	5.0%
Transportation and warehousing	9	2.8%
Real estate and rental and leasing	9	2.8%
Information	4	1.3%
Arts, entertainment, and recreation	4	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 28630 vs 28667 →

28601

50,026
28602

28,981
28630

20,041
28638

12,302
28637

1,746
28671

597
28667

559
28666

368

What this shows Among its immediate neighbors, ZIP 28630 ranks #3 by population — useful context the national average alone can't give.

28671

$73,929
28601

$67,817
28637

$67,500
28638

$67,135
28630

$63,835
28602

$62,048
28667

$26,354

What this shows By household income, ZIP 28630 ranks #5 of 7 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
28667	Rhodhiss, NC	559	3.6 mi
28638	Hudson, NC	12,302	3.3 mi
28637	Hildebran, NC	1,746	7.4 mi
28666	Icard, NC	368	7.4 mi
28601	Hickory, NC	50,026	6.5 mi
28671	Rutherford College, NC	597	7.7 mi
28602	Hickory, NC	28,981	10.5 mi

More ZIP Codes in Caldwell County

Caldwell County Granite Falls, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28630 in? ▼

ZIP code 28630 (Granite Falls) is located in Caldwell County, North Carolina. Caldwell County contains multiple ZIP codes, see the full list at /counties/caldwell-nc.

What is the population of ZIP code 28630? ▼

ZIP code 28630 in Granite Falls, NC has a population of 20,041 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 28630? ▼

The median household income in ZIP 28630 is $63,835, which is 16% below the national average of $76,288.

What is the average home value in ZIP 28630? ▼

The median home value in ZIP 28630 is $202,400, which is 27% below the national average of $278,155.

What is the demographic makeup of ZIP 28630? ▼

The largest racial group in ZIP 28630 is White at 89.5%. Hispanic or Latino residents make up 4.3% of the population.

How many businesses are in ZIP code 28630? ▼

ZIP code 28630 has 317 business establishments employing approximately 4,350 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 28630? ▼

The top industries by establishment count in ZIP 28630 are: Retail trade (52), Construction (49), Other services (except public administration) (47). There are 14 industry sectors represented in total.

How have home values changed in ZIP code 28630? ▼

According to the FHFA House Price Index, home values in ZIP 28630 increased by 11.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. 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 28630? ▼

In ZIP code 28630, 51.1% of residents aged 25+ have a high school diploma or higher, and 18.1% 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 28630? ▼

The mean commute time for workers in ZIP code 28630 is 24.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 28630? ▼

In ZIP code 28630, approximately 75.9% of occupied housing units are owner-occupied and 24.1% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 28630? ▼

The poverty rate in ZIP code 28630 is 12.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.