ZIP Code 28107 — Midland town, NC Demographics & Data

ZIP code 28107 covers Midland, NC in Cabarrus County with a population of about 9,638.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 704, 980; U.S. House district NC-8; the CHARLOTTE media market.

Median household income in ZIP 28107 is about $96,632 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 1.9%; 37.1% of adults with a bachelor’s degree or higher (about 3.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 18.3% of workers reporting work-from-home (about 3.1 points above 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 $352,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $941 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28107 in Midland, NC, a household would need roughly $97,000 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 $2,261. That is roughly in line with the local median household income ($96,632). 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 Midland town, NC as Relatively Moderate (composite score 87.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.2) and hurricane (73.9). 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 Midland town, NC show little to no average snow and around 47.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 400 for ZIP 28107 (Midland town, 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.