ZIP Code 28278 — Charlotte city, NC Demographics & Data

ZIP code 28278 covers Charlotte, NC in Mecklenburg County with a population of about 36,438.

At a glance, the area shows median age of 36.4 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.

Charlotte, NC aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 28278 is about $121,366 — about 62% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 3.7%; 56.6% of adults with a bachelor’s degree or higher (about 22.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 26.8% of workers reporting work-from-home (about 11.6 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 $413,400 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,609 (about 38% above the U.S. median rent ($1,163)), and owner-occupancy near 76.0% (about 10.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28278 in Charlotte, NC, a household would need roughly $114,000 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 $2,656. That is roughly in line with the local median household income ($121,366). 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 Charlotte city, NC as Relatively High (composite score 97.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.0) and hurricane (84.2). 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 Charlotte city, NC show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,513 for ZIP 28278 (Charlotte 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.