Terrell, NC · standard

ZIP Code 28682

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

1,129
134/sq mi
$129,390
Median income
$436,600
Median home value
37.6%
Bachelor's or higher

The verdict

Terrell pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 7%
household income, US ZIPs
Top 17%
home value, US ZIPs
134
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28682 against every reporting US ZIP.

ZIP code 28682 is classified by USPS as a standard delivery area and covers roughly 8.4 square miles in Terrell, Catawba County, North Carolina. The area is home to 1,129 residents, producing a population density of 134 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 28682 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28682 sits at $129,390 (87% above the North Carolina average), while per-capita income is $78,557. The poverty rate stands at 4.5% and the unemployment rate at 3.2%. On housing, the median home value is $436,600 (68% above the state average) with median rent at $1,458 per month, and 88.2% of occupied units are owner-occupied, a direct signal of whether 28682 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 37.6% of adults hold a bachelor's degree or higher, the median age is 55.4, and the average commute is . We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Catawba County, so you can benchmark 28682 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 28682

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 28682.

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 28682, Terrell, 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

1,129

Population

8.4

Area (sq mi)

134

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 28682?

55.4

Median Age

41.0%

Male

59.0%

Female

9.3%

Foreign-Born

White 93.9%
African American 0.0%
Asian 3.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.5%
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?

$129,390

Median Household Income

+87% vs state

$78,557

Per Capita Income

4.5%

Poverty Rate

3.2%

Unemployment Rate

How ZIP 28682 ranks nationally

Household income vs. every US ZIP code

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

$129,390 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 56.4%
Bachelor's Degree or Higher 37.6%

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

What does housing look like?

901

Total Housing Units

637

Occupied Units

264

Vacant Units

2.67

Avg Household Size

Occupancy Type

Owner 88.2%
Renter 11.8%

$436,600

Median Home Value

+68% vs state

$1,458

Median Rent

2002

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

+39.4%

YoY Change (2022)

288

HPI Index (2000 = 100)

+188%

Total Change Since 2000

Home values in ZIP 28682 have increased 39.4% over the past year (2022). Since 2000, this ZIP has seen +188% cumulative appreciation.

Year Annual Change HPI Index
2018 -1.2% 151
2019 +17.4% 177
2020 +4.8% 186
2021 +11.3% 207
2022 +39.4% 288

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 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 45 business establishments in ZIP 28682, employing approximately 336 people with a combined annual payroll of $31,001,000.

45

Businesses

336

Employees

$31.0M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Construction 8 17.8%
Other services (except public administration) 6 13.3%
Utilities 5 11.1%
Real estate and rental and leasing 5 11.1%
Professional, scientific, and technical services 5 11.1%
Retail trade 4 8.9%
Administrative and support and waste management and remediation services 4 8.9%

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 28682 vs 28673 →

ZIP 28682 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 28682 ranks #8 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 28682 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 28682 ranks the highest of 8 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
28673 Sherrills Ford, NC 5,919 2.7 mi
28117 Mooresville, NC 35,454 3.9 mi
28037 Denver, NC 18,287 5.9 mi
28031 Cornelius, NC 24,390 8.4 mi
28609 Catawba, NC 5,864 8.2 mi
28166 Troutman, NC 8,619 8.5 mi
28080 Iron Station, NC 7,299 12.1 mi

More ZIP Codes in Catawba County

Frequently Asked Questions

What county is ZIP code 28682 in?
ZIP code 28682 (Terrell) is located in Catawba County, North Carolina. Catawba County contains multiple ZIP codes, see the full list at /counties/catawba-nc.
What is the population of ZIP code 28682?
ZIP code 28682 in Terrell, NC has a population of 1,129 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28682?
The median household income in ZIP 28682 is $129,390, which is 70% above the national average of $76,288.
What is the average home value in ZIP 28682?
The median home value in ZIP 28682 is $436,600, which is 57% above the national average of $278,155.
What is the demographic makeup of ZIP 28682?
The largest racial group in ZIP 28682 is White at 93.9%. Hispanic or Latino residents make up 4.3% of the population.
How many businesses are in ZIP code 28682?
ZIP code 28682 has 45 business establishments employing approximately 336 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28682?
The top industries by establishment count in ZIP 28682 are: Construction (8), Other services (except public administration) (6), Utilities (5). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 28682?
According to the FHFA House Price Index, home values in ZIP 28682 increased by 39.4% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 188%. 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 28682?
In ZIP code 28682, 56.4% of residents aged 25+ have a high school diploma or higher, and 37.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 28682?
In ZIP code 28682, approximately 88.2% of occupied housing units are owner-occupied and 11.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28682?
The poverty rate in ZIP code 28682 is 4.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Terrell, NC

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