28037 ZIP Code — Denver, NC

Lincoln County, North Carolina

ZIP code 28037 is located in Denver, North Carolina, within Lincoln County. It covers approximately 44.73 square miles and serves a population of 24,834 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.

About ZIP code 28037

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 $404,700. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($110,932) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 28037 reflects a community defined by high homeownership and a significant Social Security-dependent population.

24,834

population

44.73

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28037 ZIP code map

Cities in ZIP code 28037

Below are the cities the US Postal Service accepts for ZIP code 28037. Using any city not on this list may result in mail delivery delays.

City	Status
Denver	Preferred

Nearby ZIP codes

28080 Iron Station (5.4 mi) 28682 Terrell (6.5 mi) 28673 Sherrills Ford (6.9 mi) 28006 Alexis (7.7 mi) 28650 Maiden (8.3 mi) 28164 Stanley (8.5 mi) 28031 Cornelius (8.9 mi) 28117 Mooresville (9.1 mi) 28092 Lincolnton (12.1 mi) 28078 Huntersville (12.1 mi) 28609 Catawba (12.4 mi) 28120 Mount Holly (12.8 mi)

Demographics updated 05/2026

Population
Total population	24,834
Population density	555 / sq mi
State FIPS	37
County FIPS	109

Geography
Land area	44.73 sq mi
Water area	8.64 sq mi
Latitude	35.5073
Longitude	-81.0372
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	29.3%	43.3%	44.4%
$50k – $100k	26.2%	31.9%	30.6%
$100k – $200k	25.6%	17.8%	19.1%
Over $200k	19.0%	7.0%	6.0%

Demographics & statistics

24,834

Population

555

People per sq mi

46.3

Median age

$110,932

Median household income

$60,425

Per capita income

$404,700

Median home value

$989

Median monthly rent

83.8%

Home ownership

5.2%

Poverty rate

2.6%

Unemployment

9,386

Housing units

45.7%

Bachelor's or higher

Age distribution

Male Female

705

Under 5

744

623

5–9

658

851

10–14

899

472

15–19

499

492

20–24

520

1,079

25–34

1,139

1,649

35–44

1,741

1,810

45–54

1,911

834

55–59

880

1,045

60–64

1,104

1,697

65–74

1,792

644

75–84

680

178

85+

188

← Male

Female →

Age summary

Group	Count	%
Under 18	5,112	20.6%
18 and over	19,722	79.4%
65 and over	5,179	20.9%
Median age	46.3 years

Race & ethnicity

White 89.1%

Two or more races 4.5%

Hispanic or Latino 3.4%

Black or African American 1.8%

Asian 0.6%

Other race 0.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	22,894	89.1%
Two or more races	1,152	4.5%
Hispanic or Latino	862	3.4%
Black or African American	470	1.8%
Asian	161	0.6%
Other race	124	0.5%
American Indian / Alaska Native	33	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.3%	43.3%	44.4%
$50k – $100k	26.2%	31.9%	30.6%
$100k – $200k	25.6%	17.8%	19.1%
Over $200k	19.0%	7.0%	6.0%

Under $10k 2.3%

$10k–$15k 5.4%

$15k–$25k 3.4%

$25k–$35k 6.0%

$35k–$50k 5.4%

$50k–$75k 13.3%

$75k–$100k 11.8%

$100k–$150k 18.1%

$150k–$200k 10.2%

$200k+ 24.0%

Range	% of households
Under $10k	2.3%
$10k–$15k	5.4%
$15k–$25k	3.4%
$25k–$35k	6.0%
$35k–$50k	5.4%
$50k–$75k	13.3%
$75k–$100k	11.8%
$100k–$150k	18.1%
$150k–$200k	10.2%
$200k+	24.0%
Median income	$110,932

Housing

Home values

Under $50k 2.8%

$50k–$100k 2.5%

$100k–$150k 2.3%

$150k–$200k 7.0%

$200k–$300k 14.7%

$300k–$500k 35.5%

$500k–$1M 29.5%

$1M+ 5.8%

Housing overview

Metric	Value
Median home value	$404,700
Median rent / month	$989
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	8.2%
Single-family detached	80.3%
Large apartment buildings	1.3%
Mobile homes	8.8%
Median rooms	6.9
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	2.3%
2010–2019	22.9%
2000–2009	25.6%
1990–1999	18.1%
1980–1989	13.8%
1970–1979	10.5%
1960–1969	2.3%
1950–1959	1.2%
1940–1949	0.8%
1939 or earlier	2.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	1.6%
2 bedrooms	15.9%
3 bedrooms	48.3%
4 bedrooms	22.9%
5+ bedrooms	11.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	20.2%
2 vehicles	43.6%
3 or more	32.6%

Heating fuel

Fuel type	%
Utility gas	27.7%
Electricity	65.6%
Propane / LP gas	4.4%
Fuel oil	0.6%
Wood	0.3%
Solar	0.4%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	6,504	64.2%
Cohabiting couple	582	5.7%
Male householder, no spouse	1,162	11.5%
Female householder, no spouse	1,882	18.6%
Households with children under 18	2,691	26.6%
Households with seniors (65+)	3,573	35.3%
Average household size	2.45

Marital status

Status	Male	Female
Never married	18.3%	16.7%
Married	68.0%	64.5%
Separated	1.1%	1.3%
Widowed	3.2%	6.8%
Divorced	9.5%	10.7%

Education

Less than 9th grade 1.1%

Some HS, no diploma 2.5%

HS graduate 18.9%

Some college, no degree 18.7%

Associate's degree 13.1%

Bachelor's degree 33.7%

Graduate / professional 12.0%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	45.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	492	9.9%
Kindergarten	114	2.3%
Elementary school	2,619	53.0%
High school	780	15.8%
College / grad school	941	19.0%

Employment

Industry of employment

Education & healthcare 19.7%

Professional & management 15.0%

Manufacturing 11.2%

Finance & real estate 9.6%

Retail trade 9.2%

Arts, food & hospitality 9.2%

Transportation & utilities 7.9%

Construction 7.5%

Other services 3.9%

Wholesale trade 2.9%

Public administration 2.3%

Information 1.3%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	53.6%
Service	10.9%
Sales & office	20.1%
Natural resources & construction	6.7%
Production & transportation	8.7%

Employment type

Type	%
Private sector	81.9%
Government	11.5%
Self-employed	6.3%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	74.4%
Carpool	5.0%
Public transit	0.2%
Walk	0.5%
Work from home	18.6%
Other means	1.1%
Avg commute (minutes)	32.0

Poverty

All people 5.2%

Under 18 years 3.3%

18 and over 5.7%

Married-couple families 2.5%

Female-led households 1.5%

Income support

Source	% of households
Social Security	36.3%
Retirement income	29.1%
Supplemental Security	1.2%
Cash public assistance	0.8%
Food stamps / SNAP	3.0%

Health indicators

Condition	%
Obesity	31.0%
High blood pressure	30.2%
High cholesterol	34.3%
Diabetes	8.6%
Heart disease	5.6%
Stroke	2.5%
Asthma	8.5%
Arthritis	23.4%
Kidney disease	2.5%
Pulmonary disease	5.6%
Cancer	6.6%

Behavior / access	%
Smoking	15.5%
Binge drinking	17.2%
No physical activity	18.1%
Less than 7 hrs sleep	29.4%
Depression	21.7%
Fair or poor health	10.2%
Poor mental health	13.0%
Poor physical health	8.8%
No health insurance	13.2%
Visited doctor (checkup)	79.3%
Visited dentist	73.0%
Cholesterol screening	91.7%
Teeth loss	9.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,625	8.2%

Disability	%
Any disability	11.0%
Under 18	4.2%
18–64 years	7.9%
65 and over	26.3%

Health insurance coverage

Type	%
Private insurance	82.2%
Public insurance	27.6%
No insurance	3.8%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,385	94.2%
Spanish	175	0.7%
Other Indo-European	63	0.3%
Asian & Pacific Islander	91	0.4%
Other languages	21	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	24,135	97.2%
Born in same state	23,693	95.4%
Born in different state	10,024	40.4%
Foreign born	442	1.8%
Naturalized citizen	699	2.8%
Not a US citizen	280	40.1%

Ancestry

Ancestry	Count	%
French	3,559	14.3%
Italian	3,472	14%
Arab	2,331	9.4%
English	734	3%
German	375	1.5%

Ancestry	Count	%
Polish	211	0.8%
Norwegian	67	0.3%
Irish	65	0.3%
Dutch	36	0.1%

Technology access

Metric	% of households
Computer access	40.8%
Internet access	96.7%

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

Frequently asked questions about ZIP code 28037

What city is ZIP code 28037 in?

ZIP code 28037 is primarily assigned to Denver, North Carolina.

What county is ZIP code 28037 in?

ZIP code 28037 falls within Lincoln County, North Carolina.

Is ZIP code 28037 mostly owner-occupied?

84% of occupied units in ZIP code 28037 are owner-occupied, well above the national average.

How educated is the population of ZIP code 28037?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 28037 have a large retiree population?

36% of households in ZIP code 28037 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 28037?

The median home value in ZIP code 28037 is $404,700.

What timezone is ZIP code 28037 in?

ZIP code 28037 observes the EST timezone.