ZIP Code 28638 — Hudson town, NC Demographics & Data

ZIP code 28638 covers Hudson, NC in Caldwell County with a population of about 11,629.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area code 828; U.S. House district NC-5; the CHARLOTTE media market.

Hudson, NC sits in a university / college context (near caldwell community college and technical institute (0.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 28638 is about $58,914 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.3%; unemployment rate near 2.9%; 19.4% of adults with a bachelor’s degree or higher (about 14.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 6.1% of workers reporting work-from-home (about 9.1 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 $174,800 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $518 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 75.1% (about 9.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28638 in Hudson, NC, a household would need roughly $48,000 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 $1,123. That sits below the local median household income ($58,914), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Hudson town, NC as Relatively Low (composite score 67.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (79.0) and hurricane (66.0). 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 Hudson town, NC show little to no average snow and around 49.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 483 for ZIP 28638 (Hudson 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.