28278 ZIP Code — Charlotte, NC

Mecklenburg County, North Carolina

ZIP code 28278 is located in Charlotte, North Carolina, within Mecklenburg County. It covers approximately 28.81 square miles and serves a population of 35,260 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704.

About ZIP code 28278

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $381,000. Owner-occupancy sits near the national average at 74%.

Median household income is $116,576. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 54% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 28278 reflects a community defined by a highly educated population and a high rate of remote workers.

35,260

population

28.81

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28278 ZIP code map

Cities in ZIP code 28278

Below are the cities the US Postal Service accepts for ZIP code 28278. Using any city not on this list may result in mail delivery delays.

City	Status
Charlotte	Preferred

Nearby ZIP codes

28273 Charlotte (4.2 mi) 28217 Charlotte (5.8 mi) 29708 Fort Mill (6 mi) 28012 Belmont (6.2 mi) 28134 Pineville (7.6 mi) 28032 Cramerton (8.1 mi) 28210 Charlotte (8.8 mi) 29715 Fort Mill (8.9 mi) 28208 Charlotte (9 mi) 28209 Charlotte (9.2 mi) 28101 Mc Adenville (9.5 mi) 28203 Charlotte (9.9 mi)

Demographics updated 05/2026

Population
Total population	35,260
Population density	1,224 / sq mi
State FIPS	37
County FIPS	119

Geography
Land area	28.81 sq mi
Water area	3.69 sq mi
Latitude	35.1334
Longitude	-81.0069
Timezone	Eastern (ET)
Area code	704

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.0%	35.4%	44.4%
$50k – $100k	28.4%	30.7%	30.6%
$100k – $200k	38.7%	23.3%	19.1%
Over $200k	12.9%	10.6%	6.0%

Demographics & statistics

35,260

Population

1,224

People per sq mi

36.0

Median age

$116,576

Median household income

$50,468

Per capita income

$381,000

Median home value

$1,634

Median monthly rent

74.0%

Home ownership

3.8%

Poverty rate

4.8%

Unemployment

9,916

Housing units

53.7%

Bachelor's or higher

Age distribution

Male Female

1,385

Under 5

1,439

1,400

5–9

1,454

1,087

10–14

1,129

969

15–19

1,007

906

20–24

940

2,468

25–34

2,562

2,941

35–44

3,055

2,787

45–54

2,894

867

55–59

901

710

60–64

738

1,165

65–74

1,209

482

75–84

500

130

85+

135

← Male

Female →

Age summary

Group	Count	%
Under 18	9,057	25.7%
18 and over	26,203	74.3%
65 and over	3,621	10.3%
Median age	36.0 years

Race & ethnicity

White 39.9%

Black or African American 29.4%

Two or more races 9.9%

Asian 8.5%

Hispanic or Latino 8.4%

Other race 3.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	15,346	39.9%
Black or African American	11,316	29.4%
Two or more races	3,811	9.9%
Asian	3,274	8.5%
Hispanic or Latino	3,219	8.4%
Other race	1,456	3.8%
American Indian / Alaska Native	48	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.0%	35.4%	44.4%
$50k – $100k	28.4%	30.7%	30.6%
$100k – $200k	38.7%	23.3%	19.1%
Over $200k	12.9%	10.6%	6.0%

Under $10k 2.1%

$10k–$15k 0.5%

$15k–$25k 2.8%

$25k–$35k 3.3%

$35k–$50k 5.2%

$50k–$75k 14.1%

$75k–$100k 13.8%

$100k–$150k 23.4%

$150k–$200k 15.2%

$200k+ 19.6%

Range	% of households
Under $10k	2.1%
$10k–$15k	0.5%
$15k–$25k	2.8%
$25k–$35k	3.3%
$35k–$50k	5.2%
$50k–$75k	14.1%
$75k–$100k	13.8%
$100k–$150k	23.4%
$150k–$200k	15.2%
$200k+	19.6%
Median income	$116,576

Housing

Home values

$50k–$100k 0.2%

$100k–$150k 0.6%

$150k–$200k 2.6%

$200k–$300k 20.7%

$300k–$500k 47.5%

$500k–$1M 26.1%

$1M+ 2.4%

Housing overview

Metric	Value
Median home value	$381,000
Median rent / month	$1,634
Owner occupied	74.0%
Renter occupied	26.0%
Vacant	5.9%
Single-family detached	76.6%
Large apartment buildings	10.2%
Mobile homes	0.7%
Median rooms	6.7
Avg household size (owned)	2.94

Year built

Era	%
2020 or later	3.4%
2010–2019	35.3%
2000–2009	38.3%
1990–1999	12.0%
1980–1989	5.7%
1970–1979	2.8%
1960–1969	0.8%
1950–1959	1.2%
1940–1949	0.4%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	5.9%
2 bedrooms	12.4%
3 bedrooms	37.4%
4 bedrooms	29.4%
5+ bedrooms	14.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.1%
1 vehicle	23.6%
2 vehicles	54.0%
3 or more	21.3%

Heating fuel

Fuel type	%
Utility gas	58.7%
Electricity	38.9%
Propane / LP gas	1.6%
Fuel oil	0.1%
Wood	0.2%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	7,727	62.5%
Cohabiting couple	816	6.6%
Male householder, no spouse	1,546	12.5%
Female householder, no spouse	2,265	18.3%
Households with children under 18	4,903	39.7%
Households with seniors (65+)	2,469	20.0%
Average household size	2.85

Marital status

Status	Male	Female
Never married	31.0%	26.5%
Married	59.5%	57.1%
Separated	1.6%	2.1%
Widowed	1.1%	4.2%
Divorced	6.8%	10.1%

Education

Less than 9th grade 3.5%

Some HS, no diploma 2.7%

HS graduate 13.7%

Some college, no degree 18.6%

Associate's degree 7.8%

Bachelor's degree 36.3%

Graduate / professional 17.4%

Metric	%
HS diploma or higher	93.8%
Bachelor's or higher	53.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	473	5.5%
Kindergarten	901	10.5%
Elementary school	3,631	42.2%
High school	1,696	19.7%
College / grad school	1,899	22.1%

Employment

Industry of employment

Education & healthcare 17.5%

Finance & real estate 15.0%

Professional & management 14.6%

Retail trade 10.8%

Manufacturing 10.7%

Arts, food & hospitality 8.1%

Transportation & utilities 7.3%

Other services 4.9%

Construction 4.4%

Wholesale trade 3.2%

Information 2.1%

Public administration 1.5%

Occupation

Category	%
Management, business & arts	47.6%
Service	10.7%
Sales & office	24.9%
Natural resources & construction	4.5%
Production & transportation	12.2%

Employment type

Type	%
Private sector	87.9%
Government	7.9%
Self-employed	4.1%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	65.2%
Carpool	6.8%
Public transit	0.7%
Walk	0.9%
Work from home	23.9%
Other means	2.5%
Avg commute (minutes)	27.8

Poverty

All people 3.8%

Under 18 years 3.5%

18 and over 3.9%

Married-couple families 1.6%

Female-led households 7.0%

Income support

Source	% of households
Social Security	19.7%
Retirement income	14.5%
Supplemental Security	3.1%
Cash public assistance	1.0%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	28.7%
High blood pressure	26.2%
High cholesterol	28.2%
Diabetes	7.3%
Heart disease	3.8%
Stroke	1.9%
Asthma	8.2%
Arthritis	15.8%
Kidney disease	2.0%
Pulmonary disease	3.8%
Cancer	4.5%

Behavior / access	%
Smoking	14.6%
Binge drinking	17.7%
No physical activity	17.4%
Less than 7 hrs sleep	31.6%
Depression	19.4%
Fair or poor health	9.2%
Poor mental health	13.0%
Poor physical health	7.3%
No health insurance	16.3%
Visited doctor (checkup)	74.9%
Visited dentist	69.1%
Cholesterol screening	90.5%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,355	5.2%

Disability	%
Any disability	6.8%
Under 18	2.9%
18–64 years	5.3%
65 and over	26.1%

Health insurance coverage

Type	%
Private insurance	81.3%
Public insurance	18.8%
No insurance	6.6%
Uninsured under 19	7.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	32,436	92.0%
Spanish	2,777	8.6%
Other Indo-European	1,328	4.1%
Asian & Pacific Islander	415	1.3%
Other languages	619	1.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	29,562	83.8%
Born in same state	28,588	81.1%
Born in different state	10,719	30.4%
Foreign born	974	2.8%
Naturalized citizen	5,698	16.2%
Not a US citizen	3,447	60.5%

Ancestry

Ancestry	Count	%
Italian	3,021	8.6%
French	2,670	7.6%
Arab	1,293	3.7%
Polish	250	0.7%
English	203	0.6%

Ancestry	Count	%
Dutch	96	0.3%
Irish	45	0.1%
Norwegian	35	0.1%
German	26	0.1%

Technology access

Metric	% of households
Computer access	35.0%
Internet access	99.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 28278

What city is ZIP code 28278 in?

ZIP code 28278 is primarily assigned to Charlotte, North Carolina.

What county is ZIP code 28278 in?

ZIP code 28278 falls within Mecklenburg County, North Carolina.

How educated is the population of ZIP code 28278?

54% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 28278?

The median home value in ZIP code 28278 is $381,000.

What is the median household income in ZIP code 28278?

The median household income in ZIP code 28278 is $116,576, above the national median of ~$75,000.

What is the population of ZIP code 28278?

ZIP code 28278 has an estimated population of 35,260 residents, with a density of 1,224 people per square mile.

What timezone is ZIP code 28278 in?

ZIP code 28278 observes the EST timezone.