ZIP Code 28682 — Lake Norman of Catawba CDP, NC Demographics & Data

ZIP code 28682 covers Lake Norman of Catawba, NC in Catawba County with a population of about 1,429.

At a glance, the area shows median age of 51.3 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-10; the CHARLOTTE media market.

Median household income in ZIP 28682 is about $96,949 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.6%; unemployment rate near 1.9%; 33.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Transportation, and Professional services; about 21.6% of workers reporting work-from-home (about 6.4 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 $595,100 — about 71% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,266 (about 9% above the U.S. median rent ($1,163)), and owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28682 in Lake Norman of Catawba, NC, a household would need roughly $164,000 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 $3,823. That is about 69% above the local median household income ($96,949), so the median earner would likely stretch or need a larger down payment. 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 Lake Norman of Catawba CDP, NC as Relatively Low (composite score 80.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.1) and hurricane (76.9). 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 Lake Norman of Catawba CDP, NC show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 59 for ZIP 28682 (Lake Norman of Catawba CDP, 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.