28092 ZIP Code — Lincolnton, NC

Lincoln County, North Carolina

ZIP code 28092 is located in Lincolnton, North Carolina, within Lincoln County. It covers approximately 119.90 square miles and serves a population of 41,002 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.

About ZIP code 28092

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $202,600. Owner-occupancy sits near the national average at 70%.

Median household income is $59,979. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 28092 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

41,002

population

119.90

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28092 ZIP code map

Cities in ZIP code 28092

Below are the cities the US Postal Service accepts for ZIP code 28092. Using any city not on this list may result in mail delivery delays.

City	Status
Lincolnton	Acceptable
Lincolnton	Preferred

Nearby ZIP codes

28033 Crouse (6.5 mi) 28650 Maiden (8.2 mi) 28080 Iron Station (8.2 mi) 28034 Dallas (9.7 mi) 28021 Cherryville (9.9 mi) 28168 Vale (10 mi) 28006 Alexis (10.4 mi) 28016 Bessemer City (10.8 mi) 28658 Newton (11.3 mi) 28037 Denver (12.1 mi) 28164 Stanley (13.4 mi) 28602 Hickory (15.5 mi)

Demographics updated 05/2026

Population
Total population	41,002
Population density	342 / sq mi
State FIPS	37
County FIPS	109

Geography
Land area	119.90 sq mi
Water area	0.61 sq mi
Latitude	35.4805
Longitude	-81.2502
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	49.0%	43.3%	44.4%
$50k – $100k	33.3%	31.9%	30.6%
$100k – $200k	15.4%	17.8%	19.1%
Over $200k	2.2%	7.0%	6.0%

Demographics & statistics

41,002

Population

342

People per sq mi

41.2

Median age

$59,979

Median household income

$31,325

Per capita income

$202,600

Median home value

$883

Median monthly rent

69.5%

Home ownership

12.7%

Poverty rate

5.1%

Unemployment

12,400

Housing units

18.6%

Bachelor's or higher

Age distribution

Male Female

1,171

Under 5

1,155

1,028

5–9

1,015

1,203

10–14

1,188

1,543

15–19

1,524

1,423

20–24

1,404

2,498

25–34

2,466

2,445

35–44

2,414

2,719

45–54

2,684

1,601

55–59

1,581

1,529

60–64

1,509

2,074

65–74

2,048

1,017

75–84

1,003

382

85+

378

← Male

Female →

Age summary

Group	Count	%
Under 18	8,742	21.3%
18 and over	32,260	78.7%
65 and over	6,902	16.8%
Median age	41.2 years

Race & ethnicity

White 74.9%

Black or African American 8.2%

Hispanic or Latino 7.1%

Two or more races 6.2%

Other race 2.8%

Asian 0.6%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	33,050	74.9%
Black or African American	3,614	8.2%
Hispanic or Latino	3,126	7.1%
Two or more races	2,723	6.2%
Other race	1,216	2.8%
Asian	268	0.6%
American Indian / Alaska Native	99	0.2%
Native Hawaiian / Pacific Islander	32	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.0%	43.3%	44.4%
$50k – $100k	33.3%	31.9%	30.6%
$100k – $200k	15.4%	17.8%	19.1%
Over $200k	2.2%	7.0%	6.0%

Under $10k 3.4%

$10k–$15k 4.9%

$15k–$25k 9.4%

$25k–$35k 9.3%

$35k–$50k 12.8%

$50k–$75k 17.9%

$75k–$100k 16.8%

$100k–$150k 15.2%

$150k–$200k 5.6%

$200k+ 4.8%

Range	% of households
Under $10k	3.4%
$10k–$15k	4.9%
$15k–$25k	9.4%
$25k–$35k	9.3%
$35k–$50k	12.8%
$50k–$75k	17.9%
$75k–$100k	16.8%
$100k–$150k	15.2%
$150k–$200k	5.6%
$200k+	4.8%
Median income	$59,979

Housing

Home values

Under $50k 5.9%

$50k–$100k 13.4%

$100k–$150k 14.9%

$150k–$200k 14.8%

$200k–$300k 31.1%

$300k–$500k 14.1%

$500k–$1M 4.9%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$202,600
Median rent / month	$883
Owner occupied	69.5%
Renter occupied	30.5%
Vacant	7.1%
Single-family detached	71.3%
Large apartment buildings	2.0%
Mobile homes	15.4%
Median rooms	5.4
Avg household size (owned)	2.64

Year built

Era	%
2020 or later	0.4%
2010–2019	7.1%
2000–2009	15.1%
1990–1999	18.1%
1980–1989	14.5%
1970–1979	12.2%
1960–1969	11.1%
1950–1959	9.4%
1940–1949	4.1%
1939 or earlier	8.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	4.5%
2 bedrooms	29.7%
3 bedrooms	52.4%
4 bedrooms	10.0%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	28.4%
2 vehicles	34.3%
3 or more	33.2%

Heating fuel

Fuel type	%
Utility gas	12.2%
Electricity	78.2%
Propane / LP gas	6.0%
Fuel oil	2.0%
Wood	1.4%

Households & families

Household type	Count	%
Married-couple family	8,259	51.4%
Cohabiting couple	1,098	6.8%
Male householder, no spouse	2,746	17.1%
Female householder, no spouse	3,977	24.7%
Households with children under 18	5,195	32.3%
Households with seniors (65+)	4,691	29.2%
Average household size	2.51

Marital status

Status	Male	Female
Never married	32.6%	25.1%
Married	51.4%	50.7%
Separated	2.4%	2.3%
Widowed	4.1%	8.4%
Divorced	9.4%	13.5%

Education

Less than 9th grade 4.0%

Some HS, no diploma 8.7%

HS graduate 34.3%

Some college, no degree 22.8%

Associate's degree 11.6%

Bachelor's degree 12.8%

Graduate / professional 5.8%

Metric	%
HS diploma or higher	87.2%
Bachelor's or higher	18.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	438	5.2%
Kindergarten	491	5.8%
Elementary school	3,632	43.1%
High school	2,268	26.9%
College / grad school	1,596	18.9%

Employment

Industry of employment

Manufacturing 22.3%

Education & healthcare 18.0%

Retail trade 13.5%

Construction 9.2%

Transportation & utilities 7.3%

Arts, food & hospitality 6.9%

Professional & management 6.0%

Other services 4.6%

Public administration 4.2%

Finance & real estate 4.0%

Wholesale trade 2.9%

Agriculture & mining 0.6%

Information 0.4%

Occupation

Category	%
Management, business & arts	28.1%
Service	16.8%
Sales & office	22.2%
Natural resources & construction	9.6%
Production & transportation	23.3%

Employment type

Type	%
Private sector	82.1%
Government	11.8%
Self-employed	6.0%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	83.0%
Carpool	9.4%
Public transit	0.2%
Walk	1.3%
Work from home	4.8%
Other means	1.4%
Avg commute (minutes)	25.8

Poverty

All people 12.7%

Under 18 years 15.0%

18 and over 12.1%

Married-couple families 6.9%

Female-led households 23.1%

Income support

Source	% of households
Social Security	34.4%
Retirement income	21.5%
Supplemental Security	5.7%
Cash public assistance	1.5%
Food stamps / SNAP	16.3%

Health indicators

Condition	%
Obesity	34.8%
High blood pressure	33.9%
High cholesterol	35.0%
Diabetes	10.9%
Heart disease	7.0%
Stroke	3.4%
Asthma	9.4%
Arthritis	26.1%
Kidney disease	3.1%
Pulmonary disease	7.8%
Cancer	6.5%

Behavior / access	%
Smoking	20.5%
Binge drinking	16.2%
No physical activity	24.8%
Less than 7 hrs sleep	31.8%
Depression	23.1%
Fair or poor health	15.3%
Poor mental health	15.0%
Poor physical health	11.6%
No health insurance	19.5%
Visited doctor (checkup)	79.3%
Visited dentist	63.3%
Cholesterol screening	88.9%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,470	7.7%

Disability	%
Any disability	16.2%
Under 18	4.3%
18–64 years	14.4%
65 and over	38.8%

Health insurance coverage

Type	%
Private insurance	62.8%
Public insurance	36.7%
No insurance	10.7%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	38,676	94.3%
Spanish	1,606	4.2%
Other Indo-European	1,374	3.6%
Asian & Pacific Islander	75	0.2%
Other languages	157	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	38,449	93.8%
Born in same state	38,129	93.0%
Born in different state	27,382	66.8%
Foreign born	320	0.8%
Naturalized citizen	2,553	6.2%
Not a US citizen	1,262	49.4%

Ancestry

Ancestry	Count	%
Arab	4,723	11.5%
French	3,950	9.6%
Italian	3,120	7.6%
English	492	1.2%
German	216	0.5%

Ancestry	Count	%
Irish	90	0.2%
Polish	43	0.1%
Dutch	32	0.1%
Norwegian	22	0.1%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	91.9%

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

Frequently asked questions about ZIP code 28092

What city is ZIP code 28092 in?

ZIP code 28092 is primarily assigned to Lincolnton, North Carolina.

What county is ZIP code 28092 in?

ZIP code 28092 falls within Lincoln County, North Carolina.

What is the population of ZIP code 28092?

ZIP code 28092 has an estimated population of 41,002 residents, with a density of 342 people per square mile.

What is the typical home value in ZIP code 28092?

The median home value in ZIP code 28092 is $202,600.

What is the median household income in ZIP code 28092?

The median household income in ZIP code 28092 is $59,979, below the national median of ~$75,000.

What timezone is ZIP code 28092 in?

ZIP code 28092 observes the EST timezone.