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.
- Construction
Construction
8 establishments
- Other services (except public administration)
Other services (except public administration)
6 establishments
- Utilities
Utilities
5 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
5 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
5 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 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
Who lives in ZIP 28682?
55.4
Median Age
41.0%
Male
59.0%
Female
9.3%
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?
$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
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?
901
Total Housing Units
637
Occupied Units
264
Vacant Units
2.67
Avg Household Size
Occupancy Type
$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)
How have home values changed over time?
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.
- 28117
Mooresville (28117)
35,454 residents
- 28031
Cornelius (28031)
24,390 residents
- 28037
Denver (28037)
18,287 residents
- 28166 8,619
Troutman (28166)
8,619 residents
- 28080 7,299
Iron Station (28080)
7,299 residents
- 28673 5,919
Sherrills Ford (28673)
5,919 residents
- 28609 5,864
Catawba (28609)
5,864 residents
- 28682 1,129
Terrell (28682)
1,129 residents
What this shows Among its immediate neighbors, ZIP 28682 ranks #8 by population — useful context the national average alone can't give.
ZIP 28682 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28682
Terrell (28682)
$129,390 median income
- 28031
Cornelius (28031)
$113,368 median income
- 28117
Mooresville (28117)
$112,976 median income
- 28037
Denver (28037)
$111,703 median income
- 28673
Sherrills Ford (28673)
$99,688 median income
- 28166
Troutman (28166)
$93,511 median income
- 28609
Catawba (28609)
$77,679 median income
- 28080
Iron Station (28080)
$71,997 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.
More ZIP Codes in Catawba County
Related Areas
Frequently Asked Questions
What county is ZIP code 28682 in? ▼
What is the population of ZIP code 28682? ▼
What is the median household income in ZIP 28682? ▼
What is the average home value in ZIP 28682? ▼
What is the demographic makeup of ZIP 28682? ▼
How many businesses are in ZIP code 28682? ▼
What are the main industries in ZIP code 28682? ▼
How have home values changed in ZIP code 28682? ▼
What is the education level in ZIP code 28682? ▼
What percentage of residents own vs. rent in ZIP 28682? ▼
What is the poverty rate in ZIP code 28682? ▼
ZIP Code Research Guides
Official Data Resources for Terrell, 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.