ZIP Code 28021 — Cherryville city, NC Demographics & Data

ZIP code 28021 covers Cherryville, NC in Gaston County with a population of about 13,668.

At a glance, the area shows median age of 39.7 (near the U.S. median).

It sits in telephone area codes 704, 980; U.S. House district NC-14; the CHARLOTTE media market.

Median household income in ZIP 28021 is about $57,652 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 3.9%; 22.0% of adults with a bachelor’s degree or higher (about 11.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 5.8% of workers reporting work-from-home (about 9.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $196,300 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $586 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 74.2% (about 8.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28021 in Cherryville, NC, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,261. That is roughly in line with the local median household income ($57,652). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cherryville city, NC as Relatively Moderate (composite score 84.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.5) and hurricane (70.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cherryville city, NC show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 567 for ZIP 28021 (Cherryville city, NC) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.