ZIP Code 28092 — Lincolnton city, NC Demographics & Data

ZIP code 28092 covers Lincolnton, NC in Lincoln County with a population of about 40,224.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 704, 980; U.S. House district NC-10; the CHARLOTTE media market.

Median household income in ZIP 28092 is about $62,625 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.7%; unemployment rate near 4.1%; 19.7% of adults with a bachelor’s degree or higher (about 14.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 7.0% of workers reporting work-from-home (about 8.2 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 $220,700 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $726 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 70.0% (about 4.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28092 in Lincolnton, NC, a household would need roughly $61,000 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 $1,418. That is roughly in line with the local median household income ($62,625). 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 Lincolnton city, NC as Relatively Low (composite score 73.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.2) and hurricane (65.5). 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 Lincolnton 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 1,670 for ZIP 28092 (Lincolnton 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.