28012 ZIP Code — Belmont, NC
Gaston County, North Carolina
ZIP code 28012 is located in Belmont, North Carolina, within Gaston County. It covers approximately 27.25 square miles and serves a population of 26,027 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.
About ZIP code 28012
The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $286,900. Owner-occupancy sits near the national average at 72%.
The gap between median ($81,045) and mean household income suggests income inequality — a small number of higher earners pull the average up.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.
Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.
26,027
population
27.25
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
28012 ZIP code map
Cities in ZIP code 28012
Below are the cities the US Postal Service accepts for ZIP code 28012. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Belmont | Acceptable |
| Belmont | Preferred |
Nearby ZIP codes
28032 Cramerton (2.3 mi)
28101 Mc Adenville (3.4 mi)
28098 Lowell (4.8 mi)
28056 Gastonia (5 mi)
28278 Charlotte (6.2 mi)
28214 Charlotte (6.5 mi)
28054 Gastonia (6.7 mi)
28120 Mount Holly (7.4 mi)
28208 Charlotte (7.7 mi)
28217 Charlotte (7.9 mi)
28273 Charlotte (9 mi)
28216 Charlotte (9.8 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 26,027 |
| Population density | 955 / sq mi |
| State FIPS | 37 |
| County FIPS | 071 |
| Geography | |
|---|---|
| Land area | 27.25 sq mi |
| Water area | 3.81 sq mi |
| Latitude | 35.2184 |
| Longitude | -81.0430 |
| Timezone | Eastern (ET) |
| Area code | 704/980 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 35.3% | 46.6% | 44.4% |
| $50k – $100k | 29.3% | 30.5% | 30.6% |
| $100k – $200k | 26.0% | 19.2% | 19.1% |
| Over $200k | 9.3% | 3.7% | 6.0% |
Demographics & statistics
26,027
Population
955
People per sq mi
40.0
Median age
$81,045
Median household income
$49,336
Per capita income
$286,900
Median home value
$1,199
Median monthly rent
71.8%
Home ownership
9.2%
Poverty rate
4.8%
Unemployment
8,305
Housing units
41.4%
Bachelor's or higher
Age distribution
Male
Female
666
Under 5
782
672
5–9
790
646
10–14
759
808
15–19
949
676
20–24
795
1,843
25–34
2,166
1,451
35–44
1,706
1,632
45–54
1,917
925
55–59
1,087
737
60–64
865
1,130
65–74
1,328
548
75–84
643
233
85+
273
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,272 | 20.3% |
| 18 and over | 20,755 | 79.7% |
| 65 and over | 4,155 | 16.0% |
| Median age | 40.0 years | |
Race & ethnicity
White
84.1%
Black or African American
5.4%
Two or more races
4.1%
Asian
3.3%
Hispanic or Latino
2.3%
Other race
0.6%
| Group | Count | % |
|---|---|---|
| White | 22,405 | 84.1% |
| Black or African American | 1,450 | 5.4% |
| Two or more races | 1,099 | 4.1% |
| Asian | 890 | 3.3% |
| Hispanic or Latino | 622 | 2.3% |
| Other race | 170 | 0.6% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 35.3% | 46.6% | 44.4% |
| $50k – $100k | 29.3% | 30.5% | 30.6% |
| $100k – $200k | 26.0% | 19.2% | 19.1% |
| Over $200k | 9.3% | 3.7% | 6.0% |
Under $10k
4.1%
$10k–$15k
3.0%
$15k–$25k
6.6%
$25k–$35k
8.0%
$35k–$50k
10.3%
$50k–$75k
15.1%
$75k–$100k
12.3%
$100k–$150k
15.3%
$150k–$200k
11.5%
$200k+
13.8%
| Range | % of households |
|---|---|
| Under $10k | 4.1% |
| $10k–$15k | 3.0% |
| $15k–$25k | 6.6% |
| $25k–$35k | 8.0% |
| $35k–$50k | 10.3% |
| $50k–$75k | 15.1% |
| $75k–$100k | 12.3% |
| $100k–$150k | 15.3% |
| $150k–$200k | 11.5% |
| $200k+ | 13.8% |
| Median income | $81,045 |
Housing
Home values
Under $50k
3.3%
$50k–$100k
4.1%
$100k–$150k
9.4%
$150k–$200k
9.5%
$200k–$300k
27.0%
$300k–$500k
27.8%
$500k–$1M
14.5%
$1M+
4.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $286,900 |
| Median rent / month | $1,199 |
| Owner occupied | 71.8% |
| Renter occupied | 28.2% |
| Vacant | 6.1% |
| Single-family detached | 71.7% |
| Large apartment buildings | 5.0% |
| Mobile homes | 4.7% |
| Median rooms | 5.7 |
| Avg household size (owned) | 2.57 |
Year built
| Era | % |
|---|---|
| 2020 or later | 2.1% |
| 2010–2019 | 20.7% |
| 2000–2009 | 15.7% |
| 1990–1999 | 12.6% |
| 1980–1989 | 10.1% |
| 1970–1979 | 9.8% |
| 1960–1969 | 7.6% |
| 1950–1959 | 6.2% |
| 1940–1949 | 6.7% |
| 1939 or earlier | 8.4% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.7% |
| 1 bedroom | 7.7% |
| 2 bedrooms | 28.4% |
| 3 bedrooms | 38.6% |
| 4 bedrooms | 17.6% |
| 5+ bedrooms | 6.9% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.5% |
| 1 vehicle | 29.7% |
| 2 vehicles | 40.7% |
| 3 or more | 25.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 43.3% |
| Electricity | 52.0% |
| Propane / LP gas | 1.9% |
| Fuel oil | 0.3% |
| Wood | 0.5% |
| Solar | 0.3% |
| No fuel used | 1.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 5,067 | 47.7% |
| Cohabiting couple | 921 | 8.7% |
| Male householder, no spouse | 1,486 | 14.0% |
| Female householder, no spouse | 3,140 | 29.6% |
| Households with children under 18 | 3,028 | 28.5% |
| Households with seniors (65+) | 3,114 | 29.3% |
| Average household size | 2.38 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 32.5% | 28.7% |
| Married | 53.6% | 45.7% |
| Separated | 2.3% | 2.8% |
| Widowed | 1.8% | 9.3% |
| Divorced | 9.7% | 13.5% |
Education
Less than 9th grade
2.3%
Some HS, no diploma
5.1%
HS graduate
21.2%
Some college, no degree
19.4%
Associate's degree
10.5%
Bachelor's degree
29.1%
Graduate / professional
12.4%
| Metric | % |
|---|---|
| HS diploma or higher | 92.7% |
| Bachelor's or higher | 41.4% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 244 | 4.4% |
| Kindergarten | 256 | 4.6% |
| Elementary school | 2,394 | 43.2% |
| High school | 1,174 | 21.2% |
| College / grad school | 1,480 | 26.7% |
Employment
Industry of employment
Education & healthcare
21.1%
Manufacturing
14.8%
Professional & management
12.0%
Finance & real estate
10.7%
Retail trade
9.0%
Transportation & utilities
7.3%
Construction
6.7%
Other services
6.1%
Arts, food & hospitality
5.4%
Information
2.7%
Wholesale trade
2.3%
Public administration
1.9%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 46.7% |
| Service | 11.9% |
| Sales & office | 20.2% |
| Natural resources & construction | 9.1% |
| Production & transportation | 12.0% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.7% |
| Government | 8.1% |
| Self-employed | 5.1% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 76.3% |
| Carpool | 6.1% |
| Public transit | 0.0% |
| Walk | 2.0% |
| Work from home | 15.1% |
| Other means | 0.5% |
| Avg commute (minutes) | 26.2 |
Poverty
All people
9.2%
Under 18 years
8.5%
18 and over
9.4%
Married-couple families
1.9%
Female-led households
24.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 30.0% |
| Retirement income | 21.3% |
| Supplemental Security | 3.1% |
| Cash public assistance | 1.2% |
| Food stamps / SNAP | 7.9% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 29.0% |
| High blood pressure | 33.3% |
| High cholesterol | 34.3% |
| Diabetes | 9.0% |
| Heart disease | 5.8% |
| Stroke | 2.8% |
| Asthma | 8.6% |
| Arthritis | 23.6% |
| Kidney disease | 2.7% |
| Pulmonary disease | 6.3% |
| Cancer | 6.3% |
| Behavior / access | % |
|---|---|
| Smoking | 17.6% |
| Binge drinking | 17.1% |
| No physical activity | 20.4% |
| Less than 7 hrs sleep | 30.2% |
| Depression | 23.0% |
| Fair or poor health | 12.0% |
| Poor mental health | 14.0% |
| Poor physical health | 9.6% |
| No health insurance | 15.8% |
| Visited doctor (checkup) | 76.9% |
| Visited dentist | 65.3% |
| Cholesterol screening | 89.7% |
| Teeth loss | 13.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,674 | 8.1% |
| Disability | % |
|---|---|
| Any disability | 12.9% |
| Under 18 | 3.8% |
| 18–64 years | 9.6% |
| 65 and over | 38.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 80.3% |
| Public insurance | 26.2% |
| No insurance | 5.3% |
| Uninsured under 19 | 2.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 24,579 | 94.4% |
| Spanish | 485 | 2.0% |
| Other Indo-European | 158 | 0.6% |
| Asian & Pacific Islander | 216 | 0.9% |
| Other languages | 111 | 0.5% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 24,904 | 95.7% |
| Born in same state | 24,678 | 94.8% |
| Born in different state | 15,612 | 60.0% |
| Foreign born | 226 | 0.9% |
| Naturalized citizen | 1,123 | 4.3% |
| Not a US citizen | 619 | 55.1% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Arab | 3,520 | 13.5% |
| French | 3,497 | 13.4% |
| Italian | 3,494 | 13.4% |
| English | 158 | 0.6% |
| Polish | 112 | 0.4% |
| Ancestry | Count | % |
|---|---|---|
| German | 87 | 0.3% |
| Dutch | 45 | 0.2% |
| Irish | 21 | 0.1% |
| Norwegian | 6 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 40.8% |
| Internet access | 95.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28012
What city is ZIP code 28012 in?
ZIP code 28012 is primarily assigned to Belmont, North Carolina.
What county is ZIP code 28012 in?
ZIP code 28012 falls within Gaston County, North Carolina.
What is the population of ZIP code 28012?
ZIP code 28012 has an estimated population of 26,027 residents, with a density of 955 people per square mile.
What is the typical home value in ZIP code 28012?
The median home value in ZIP code 28012 is $286,900.
What is the median household income in ZIP code 28012?
The median household income in ZIP code 28012 is $81,045, above the national median of ~$75,000.
What timezone is ZIP code 28012 in?
ZIP code 28012 observes the EST timezone.