ZIP Code 28150 — Shelby city, NC Demographics & Data

ZIP code 28150 covers Shelby, NC in Cleveland County with a population of about 26,447.

At a glance, the area shows median age of 47.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 28150 is about $53,027 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.1%; unemployment rate near 5.3%; 24.4% of adults with a bachelor’s degree or higher (about 9.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 8.7% of workers reporting work-from-home (about 6.5 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 $195,600 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $601 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28150 in Shelby, 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 $1,256. That is roughly in line with the local median household income ($53,027). 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 Shelby city, NC as Relatively Low (composite score 70.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (75.2) and hurricane (73.7). 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 Shelby city, NC show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,098 for ZIP 28150 (Shelby 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.