28103 ZIP Code — Marshville, NC

Union County, North Carolina

ZIP code 28103 is located in Marshville, North Carolina, within Union County. It covers approximately 153.16 square miles and serves a population of 10,499 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.

About ZIP code 28103

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 $209,200. Owner-occupancy is high at 82%, well above the national average.

Median household income is $69,167. The poverty rate of 7% is below the national average. 39% 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 27 minutes is near the national average.

College attainment at 20% 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 28103 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

10,499

population

153.16

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28103 ZIP code map

Cities in ZIP code 28103

Below are the cities the US Postal Service accepts for ZIP code 28103. Using any city not on this list may result in mail delivery delays.

City	Status
Marshville	Acceptable
Marshville	Preferred

Nearby ZIP codes

28174 Wingate (5.2 mi) 28133 Peachland (7.1 mi) 28135 Polkton (10.1 mi) 28110 Monroe (10.7 mi) 28112 Monroe (12.4 mi) 28163 Stanfield (14.9 mi) 28129 Oakboro (15.4 mi) 28170 Wadesboro (15.9 mi) 28079 Indian Trail (16 mi) 29728 Pageland (17.7 mi) 28128 Norwood (18.6 mi) 28107 Midland (19.1 mi)

Demographics updated 05/2026

Population
Total population	10,499
Population density	69 / sq mi
State FIPS	37
County FIPS	179

Geography
Land area	153.16 sq mi
Water area	1.25 sq mi
Latitude	35.0050
Longitude	-80.3587
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	40.3%	28.8%	44.4%
$50k – $100k	38.6%	30.6%	30.6%
$100k – $200k	19.7%	27.9%	19.1%
Over $200k	1.4%	12.6%	6.0%

Demographics & statistics

10,499

Population

People per sq mi

45.4

Median age

$69,167

Median household income

$32,021

Per capita income

$209,200

Median home value

$991

Median monthly rent

82.3%

Home ownership

7.3%

Poverty rate

3.4%

Unemployment

3,905

Housing units

19.5%

Bachelor's or higher

Age distribution

Male Female

306

Under 5

305

400

5–9

398

282

10–14

282

256

15–19

255

267

20–24

267

540

25–34

538

555

35–44

554

685

45–54

682

629

55–59

627

247

60–64

247

643

65–74

641

340

75–84

339

107

85+

107

← Male

Female →

Age summary

Group	Count	%
Under 18	2,265	21.6%
18 and over	8,234	78.4%
65 and over	2,177	20.7%
Median age	45.4 years

Race & ethnicity

White 77%

Black or African American 18.4%

Hispanic or Latino 1.6%

Two or more races 1.6%

Other race 1.1%

Asian 0.2%

Group	Count	%
White	8,222	77%
Black or African American	1,969	18.4%
Hispanic or Latino	176	1.6%
Two or more races	176	1.6%
Other race	113	1.1%
Asian	18	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	28.8%	44.4%
$50k – $100k	38.6%	30.6%	30.6%
$100k – $200k	19.7%	27.9%	19.1%
Over $200k	1.4%	12.6%	6.0%

Under $10k 2.1%

$10k–$15k 1.9%

$15k–$25k 5.1%

$25k–$35k 17.8%

$35k–$50k 12.3%

$50k–$75k 14.6%

$75k–$100k 14.8%

$100k–$150k 21.4%

$150k–$200k 7.4%

$200k+ 2.6%

Range	% of households
Under $10k	2.1%
$10k–$15k	1.9%
$15k–$25k	5.1%
$25k–$35k	17.8%
$35k–$50k	12.3%
$50k–$75k	14.6%
$75k–$100k	14.8%
$100k–$150k	21.4%
$150k–$200k	7.4%
$200k+	2.6%
Median income	$69,167

Housing

Home values

Under $50k 3.7%

$50k–$100k 7.2%

$100k–$150k 18.9%

$150k–$200k 16.9%

$200k–$300k 25.6%

$300k–$500k 17.1%

$500k–$1M 9.2%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$209,200
Median rent / month	$991
Owner occupied	82.3%
Renter occupied	17.7%
Vacant	12.8%
Single-family detached	85.4%
Large apartment buildings	0.0%
Mobile homes	11.9%
Median rooms	6.1
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.6%
2010–2019	5.8%
2000–2009	12.6%
1990–1999	15.2%
1980–1989	13.7%
1970–1979	12.2%
1960–1969	11.4%
1950–1959	14.1%
1940–1949	3.1%
1939 or earlier	11.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	2.9%
2 bedrooms	25.3%
3 bedrooms	54.3%
4 bedrooms	12.9%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	19.5%
2 vehicles	37.9%
3 or more	39.8%

Heating fuel

Fuel type	%
Utility gas	0.8%
Electricity	57.6%
Propane / LP gas	34.9%
Fuel oil	3.7%
Wood	2.6%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,361	58.7%
Cohabiting couple	86	2.1%
Male householder, no spouse	699	17.4%
Female householder, no spouse	878	21.8%
Households with children under 18	1,205	29.9%
Households with seniors (65+)	1,530	38.0%
Average household size	2.58

Marital status

Status	Male	Female
Never married	28.3%	18.4%
Married	64.3%	56.6%
Separated	0.6%	1.3%
Widowed	2.3%	11.9%
Divorced	4.4%	11.8%

Education

Less than 9th grade 5.8%

Some HS, no diploma 8.5%

HS graduate 31.8%

Some college, no degree 24.0%

Associate's degree 10.4%

Bachelor's degree 13.5%

Graduate / professional 6.0%

Metric	%
HS diploma or higher	85.7%
Bachelor's or higher	19.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	100	5.0%
Kindergarten	122	6.1%
Elementary school	964	48.2%
High school	509	25.4%
College / grad school	307	15.3%

Employment

Industry of employment

Manufacturing 24.6%

Education & healthcare 19.9%

Professional & management 9.2%

Construction 8.7%

Other services 7.0%

Retail trade 6.9%

Agriculture & mining 6.3%

Transportation & utilities 5.5%

Arts, food & hospitality 4.5%

Finance & real estate 3.3%

Public administration 2.3%

Wholesale trade 1.5%

Information 0.2%

Occupation

Category	%
Management, business & arts	38.7%
Service	11.6%
Sales & office	18.4%
Natural resources & construction	12.8%
Production & transportation	18.6%

Employment type

Type	%
Private sector	77.6%
Government	14.1%
Self-employed	8.1%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	72.8%
Carpool	17.0%
Public transit	0.0%
Walk	0.5%
Work from home	9.0%
Other means	0.8%
Avg commute (minutes)	26.9

Poverty

All people 7.3%

Under 18 years 10.9%

18 and over 6.3%

Married-couple families 1.0%

Female-led households 14.3%

Income support

Source	% of households
Social Security	39.2%
Retirement income	25.1%
Supplemental Security	3.0%
Cash public assistance	1.5%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	34.6%
High blood pressure	35.4%
High cholesterol	34.8%
Diabetes	11.0%
Heart disease	6.9%
Stroke	3.5%
Asthma	9.3%
Arthritis	26.9%
Kidney disease	3.1%
Pulmonary disease	7.4%
Cancer	6.6%

Behavior / access	%
Smoking	20.8%
Binge drinking	16.3%
No physical activity	24.3%
Less than 7 hrs sleep	32.8%
Depression	23.4%
Fair or poor health	15.1%
Poor mental health	14.8%
Poor physical health	11.2%
No health insurance	19.1%
Visited doctor (checkup)	78.4%
Visited dentist	60.9%
Cholesterol screening	89.7%
Teeth loss	15.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	537	6.5%

Disability	%
Any disability	11.3%
Under 18	2.5%
18–64 years	9.0%
65 and over	27.7%

Health insurance coverage

Type	%
Private insurance	64.4%
Public insurance	35.9%
No insurance	12.2%
Uninsured under 19	7.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,888	94.2%
Spanish	167	1.7%
Other Indo-European	145	1.5%
Asian & Pacific Islander	11	0.1%
Other languages	11	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,336	98.4%
Born in same state	10,237	97.5%
Born in different state	8,451	80.5%
Foreign born	99	0.9%
Naturalized citizen	163	1.6%
Not a US citizen	104	63.8%

Ancestry

Ancestry	Count	%
Arab	1,269	12.1%
French	1,152	11%
Italian	635	6%
English	134	1.3%

Ancestry	Count	%
Norwegian	25	0.2%
Dutch	22	0.2%
Polish	21	0.2%
German	8	0.1%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	93.2%

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

Frequently asked questions about ZIP code 28103

What city is ZIP code 28103 in?

ZIP code 28103 is primarily assigned to Marshville, North Carolina.

What county is ZIP code 28103 in?

ZIP code 28103 falls within Union County, North Carolina.

Is ZIP code 28103 mostly owner-occupied?

82% of occupied units in ZIP code 28103 are owner-occupied, well above the national average.

Does ZIP code 28103 have a large retiree population?

39% of households in ZIP code 28103 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 28103?

ZIP code 28103 has an estimated population of 10,499 residents, with a density of 69 people per square mile.

What is the typical home value in ZIP code 28103?

The median home value in ZIP code 28103 is $209,200.

What timezone is ZIP code 28103 in?

ZIP code 28103 observes the EST timezone.