28104 ZIP Code — Matthews, NC

Union County, North Carolina

ZIP code 28104 is located in Matthews, North Carolina, within Union County. It covers approximately 29.60 square miles and serves a population of 35,285 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.

About ZIP code 28104

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 $438,400. Owner-occupancy is high at 93%, well above the national average.

The gap between median ($127,304) and mean household income suggests income inequality — a small number of higher earners pull the average up. 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 29 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 28104 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

35,285

population

29.60

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28104 ZIP code map

Cities in ZIP code 28104

Below are the cities the US Postal Service accepts for ZIP code 28104. Using any city not on this list may result in mail delivery delays.

City	Status
Matthews	Acceptable
Matthews	Preferred

Nearby ZIP codes

28105 Matthews (2.8 mi) 28270 Charlotte (5 mi) 28079 Indian Trail (5.1 mi) 28277 Charlotte (7.8 mi) 28227 Charlotte (8 mi) 28212 Charlotte (8.2 mi) 28226 Charlotte (8.4 mi) 28110 Monroe (8.9 mi) 28211 Charlotte (9 mi) 28263 Charlotte (9.4 mi) 28210 Charlotte (10.1 mi) 28173 Waxhaw (10.6 mi)

Demographics updated 05/2026

Population
Total population	35,285
Population density	1,192 / sq mi
State FIPS	37
County FIPS	179

Geography
Land area	29.60 sq mi
Water area	0.33 sq mi
Latitude	35.0742
Longitude	-80.6869
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	18.1%	28.8%	44.4%
$50k – $100k	27.5%	30.6%	30.6%
$100k – $200k	34.2%	27.9%	19.1%
Over $200k	20.3%	12.6%	6.0%

Demographics & statistics

35,285

Population

1,192

People per sq mi

41.0

Median age

$127,304

Median household income

$57,301

Per capita income

$438,400

Median home value

$1,652

Median monthly rent

93.0%

Home ownership

3.7%

Poverty rate

4.0%

Unemployment

11,596

Housing units

56.2%

Bachelor's or higher

Age distribution

Male Female

945

Under 5

1,033

1,078

5–9

1,180

1,572

10–14

1,720

1,339

15–19

1,465

850

20–24

931

1,443

25–34

1,579

2,190

35–44

2,396

3,114

45–54

3,408

1,155

55–59

1,263

879

60–64

962

1,358

65–74

1,485

743

75–84

813

183

85+

201

← Male

Female →

Age summary

Group	Count	%
Under 18	9,294	26.3%
18 and over	25,991	73.7%
65 and over	4,783	13.6%
Median age	41.0 years

Race & ethnicity

White 73.8%

Black or African American 8.5%

Asian 5.3%

Two or more races 5%

Hispanic or Latino 4.8%

Other race 2.1%

American Indian / Alaska Native 0.4%

Group	Count	%
White	27,365	73.8%
Black or African American	3,167	8.5%
Asian	1,951	5.3%
Two or more races	1,860	5%
Hispanic or Latino	1,794	4.8%
Other race	783	2.1%
American Indian / Alaska Native	146	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.1%	28.8%	44.4%
$50k – $100k	27.5%	30.6%	30.6%
$100k – $200k	34.2%	27.9%	19.1%
Over $200k	20.3%	12.6%	6.0%

Under $10k 1.6%

$10k–$15k 0.4%

$15k–$25k 2.8%

$25k–$35k 4.1%

$35k–$50k 6.8%

$50k–$75k 12.6%

$75k–$100k 10.9%

$100k–$150k 19.3%

$150k–$200k 13.4%

$200k+ 28.1%

Range	% of households
Under $10k	1.6%
$10k–$15k	0.4%
$15k–$25k	2.8%
$25k–$35k	4.1%
$35k–$50k	6.8%
$50k–$75k	12.6%
$75k–$100k	10.9%
$100k–$150k	19.3%
$150k–$200k	13.4%
$200k+	28.1%
Median income	$127,304

Housing

Home values

Under $50k 1.6%

$50k–$100k 0.7%

$100k–$150k 1.9%

$150k–$200k 3.9%

$200k–$300k 18.1%

$300k–$500k 34.2%

$500k–$1M 31.9%

$1M+ 7.7%

Housing overview

Metric	Value
Median home value	$438,400
Median rent / month	$1,652
Owner occupied	93.0%
Renter occupied	7.0%
Vacant	4.3%
Single-family detached	92.8%
Large apartment buildings	0.3%
Mobile homes	1.2%
Median rooms	8.0
Avg household size (owned)	2.97

Year built

Era	%
2020 or later	1.5%
2010–2019	16.5%
2000–2009	33.3%
1990–1999	23.3%
1980–1989	12.5%
1970–1979	7.5%
1960–1969	3.2%
1950–1959	1.2%
1940–1949	0.9%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	0.6%
2 bedrooms	4.6%
3 bedrooms	38.6%
4 bedrooms	32.8%
5+ bedrooms	23.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	14.9%
2 vehicles	49.3%
3 or more	34.4%

Heating fuel

Fuel type	%
Utility gas	61.3%
Electricity	34.5%
Propane / LP gas	3.3%
Fuel oil	0.1%
Wood	0.1%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	8,676	72.9%
Cohabiting couple	398	3.3%
Male householder, no spouse	779	6.5%
Female householder, no spouse	2,046	17.2%
Households with children under 18	5,275	44.3%
Households with seniors (65+)	3,307	27.8%
Average household size	2.97

Marital status

Status	Male	Female
Never married	26.2%	22.8%
Married	67.4%	60.7%
Separated	0.6%	2.0%
Widowed	1.3%	6.0%
Divorced	4.5%	8.5%

Education

Less than 9th grade 1.2%

Some HS, no diploma 3.3%

HS graduate 13.9%

Some college, no degree 18.3%

Associate's degree 7.1%

Bachelor's degree 35.8%

Graduate / professional 20.4%

Metric	%
HS diploma or higher	95.5%
Bachelor's or higher	56.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	830	8.6%
Kindergarten	516	5.3%
Elementary school	4,296	44.3%
High school	2,556	26.3%
College / grad school	1,505	15.5%

Employment

Industry of employment

Education & healthcare 19.5%

Professional & management 14.0%

Finance & real estate 13.8%

Retail trade 11.6%

Manufacturing 8.3%

Arts, food & hospitality 8.1%

Construction 6.7%

Transportation & utilities 6.3%

Other services 4.3%

Wholesale trade 3.0%

Information 2.2%

Public administration 2.0%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	55.3%
Service	10.7%
Sales & office	21.6%
Natural resources & construction	5.8%
Production & transportation	6.6%

Employment type

Type	%
Private sector	82.8%
Government	9.3%
Self-employed	7.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	71.2%
Carpool	5.3%
Public transit	0.2%
Walk	0.5%
Work from home	22.1%
Other means	0.6%
Avg commute (minutes)	28.9

Poverty

All people 3.7%

Under 18 years 2.6%

18 and over 4.1%

Married-couple families 1.9%

Female-led households 13.4%

Income support

Source	% of households
Social Security	26.8%
Retirement income	24.0%
Supplemental Security	1.4%
Cash public assistance	0.8%
Food stamps / SNAP	4.0%

Health indicators

Condition	%
Obesity	29.9%
High blood pressure	28.4%
High cholesterol	32.5%
Diabetes	7.7%
Heart disease	4.7%
Stroke	2.1%
Asthma	8.2%
Arthritis	21.8%
Kidney disease	2.2%
Pulmonary disease	4.6%
Cancer	6.1%

Behavior / access	%
Smoking	14.4%
Binge drinking	18.0%
No physical activity	16.3%
Less than 7 hrs sleep	29.2%
Depression	21.9%
Fair or poor health	9.0%
Poor mental health	12.5%
Poor physical health	7.8%
No health insurance	12.5%
Visited doctor (checkup)	77.4%
Visited dentist	72.3%
Cholesterol screening	92.2%
Teeth loss	8.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,743	6.7%

Disability	%
Any disability	7.6%
Under 18	2.9%
18–64 years	4.7%
65 and over	29.3%

Health insurance coverage

Type	%
Private insurance	83.6%
Public insurance	21.2%
No insurance	5.3%
Uninsured under 19	3.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	33,307	94.4%
Spanish	1,243	3.7%
Other Indo-European	784	2.4%
Asian & Pacific Islander	263	0.8%
Other languages	164	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	31,018	87.9%
Born in same state	30,537	86.5%
Born in different state	14,325	40.6%
Foreign born	481	1.4%
Naturalized citizen	4,267	12.1%
Not a US citizen	2,625	61.5%

Ancestry

Ancestry	Count	%
French	4,794	13.6%
Italian	4,013	11.4%
Arab	2,590	7.3%
Irish	342	1%
English	241	0.7%

Ancestry	Count	%
German	218	0.6%
Polish	196	0.6%
Dutch	95	0.3%
Norwegian	67	0.2%

Technology access

Metric	% of households
Computer access	33.7%
Internet access	98.2%

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

Frequently asked questions about ZIP code 28104

What city is ZIP code 28104 in?

ZIP code 28104 is primarily assigned to Matthews, North Carolina.

What county is ZIP code 28104 in?

ZIP code 28104 falls within Union County, North Carolina.

Is ZIP code 28104 mostly owner-occupied?

93% of occupied units in ZIP code 28104 are owner-occupied, well above the national average.

How educated is the population of ZIP code 28104?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 28104?

The median household income in ZIP code 28104 is $127,304, above the national median of ~$75,000.

What is the typical home value in ZIP code 28104?

The median home value in ZIP code 28104 is $438,400.

What timezone is ZIP code 28104 in?

ZIP code 28104 observes the EST timezone.