28105 ZIP Code — Matthews, NC
Mecklenburg County, North Carolina
ZIP code 28105 is located in Matthews, North Carolina, within Mecklenburg County. It covers approximately 23.23 square miles and serves a population of 44,899 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.
About ZIP code 28105
The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $354,400. Owner-occupancy sits near the national average at 69%.
Median household income is $100,845. The poverty rate of 6% 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 26 minutes is near the national average.
Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.
44,899
population
23.23
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
28105 ZIP code map
Cities in ZIP code 28105
Below are the cities the US Postal Service accepts for ZIP code 28105. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Matthews | Preferred |
Nearby ZIP codes
28104 Matthews (2.8 mi)
28270 Charlotte (3 mi)
28212 Charlotte (5.4 mi)
28079 Indian Trail (5.6 mi)
28227 Charlotte (6.2 mi)
28211 Charlotte (6.3 mi)
28226 Charlotte (6.8 mi)
28263 Charlotte (7 mi)
28277 Charlotte (7.6 mi)
28210 Charlotte (8.2 mi)
28205 Charlotte (8.6 mi)
28207 Charlotte (8.9 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 44,899 |
| Population density | 1,933 / sq mi |
| State FIPS | 37 |
| County FIPS | 119 |
| Geography | |
|---|---|
| Land area | 23.23 sq mi |
| Water area | 0.16 sq mi |
| Latitude | 35.1104 |
| Longitude | -80.7090 |
| 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 | 29.5% | 35.4% | 44.4% |
| $50k – $100k | 27.3% | 30.7% | 30.6% |
| $100k – $200k | 33.7% | 23.3% | 19.1% |
| Over $200k | 9.5% | 10.6% | 6.0% |
Demographics & statistics
44,899
Population
1,933
People per sq mi
39.1
Median age
$100,845
Median household income
$46,150
Per capita income
$354,400
Median home value
$1,474
Median monthly rent
69.1%
Home ownership
5.8%
Poverty rate
3.1%
Unemployment
12,415
Housing units
51.5%
Bachelor's or higher
Age distribution
Male
Female
1,430
Under 5
1,445
1,245
5–9
1,257
1,284
10–14
1,297
1,459
15–19
1,473
1,276
20–24
1,289
3,116
25–34
3,147
2,809
35–44
2,837
3,139
45–54
3,170
1,529
55–59
1,544
1,278
60–64
1,291
1,841
65–74
1,859
1,346
75–84
1,360
586
85+
592
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 9,757 | 21.7% |
| 18 and over | 35,142 | 78.3% |
| 65 and over | 7,584 | 16.9% |
| Median age | 39.1 years | |
Race & ethnicity
White
66.5%
Black or African American
12.5%
Asian
7.9%
Hispanic or Latino
5.3%
Two or more races
4.9%
Other race
2.7%
American Indian / Alaska Native
0.4%
| Group | Count | % |
|---|---|---|
| White | 31,506 | 66.5% |
| Black or African American | 5,919 | 12.5% |
| Asian | 3,723 | 7.9% |
| Hispanic or Latino | 2,493 | 5.3% |
| Two or more races | 2,299 | 4.9% |
| Other race | 1,264 | 2.7% |
| American Indian / Alaska Native | 177 | 0.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 29.5% | 35.4% | 44.4% |
| $50k – $100k | 27.3% | 30.7% | 30.6% |
| $100k – $200k | 33.7% | 23.3% | 19.1% |
| Over $200k | 9.5% | 10.6% | 6.0% |
Under $10k
1.8%
$10k–$15k
1.5%
$15k–$25k
3.3%
$25k–$35k
5.9%
$35k–$50k
11.0%
$50k–$75k
15.9%
$75k–$100k
10.1%
$100k–$150k
23.3%
$150k–$200k
14.1%
$200k+
13.0%
| Range | % of households |
|---|---|
| Under $10k | 1.8% |
| $10k–$15k | 1.5% |
| $15k–$25k | 3.3% |
| $25k–$35k | 5.9% |
| $35k–$50k | 11.0% |
| $50k–$75k | 15.9% |
| $75k–$100k | 10.1% |
| $100k–$150k | 23.3% |
| $150k–$200k | 14.1% |
| $200k+ | 13.0% |
| Median income | $100,845 |
Housing
Home values
Under $50k
1.3%
$50k–$100k
0.7%
$100k–$150k
2.0%
$150k–$200k
5.5%
$200k–$300k
23.3%
$300k–$500k
49.2%
$500k–$1M
16.8%
$1M+
1.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $354,400 |
| Median rent / month | $1,474 |
| Owner occupied | 69.1% |
| Renter occupied | 30.9% |
| Vacant | 4.9% |
| Single-family detached | 67.0% |
| Large apartment buildings | 14.4% |
| Mobile homes | 0.9% |
| Median rooms | 6.4 |
| Avg household size (owned) | 2.86 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.4% |
| 2010–2019 | 11.3% |
| 2000–2009 | 21.5% |
| 1990–1999 | 26.3% |
| 1980–1989 | 21.9% |
| 1970–1979 | 11.1% |
| 1960–1969 | 3.7% |
| 1950–1959 | 1.9% |
| 1940–1949 | 0.3% |
| 1939 or earlier | 0.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.8% |
| 1 bedroom | 10.2% |
| 2 bedrooms | 20.4% |
| 3 bedrooms | 33.8% |
| 4 bedrooms | 26.9% |
| 5+ bedrooms | 7.9% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.3% |
| 1 vehicle | 30.6% |
| 2 vehicles | 44.5% |
| 3 or more | 21.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 54.0% |
| Electricity | 44.2% |
| Propane / LP gas | 1.2% |
| Fuel oil | 0.1% |
| Wood | 0.1% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 9,673 | 57.9% |
| Cohabiting couple | 871 | 5.2% |
| Male householder, no spouse | 2,110 | 12.6% |
| Female householder, no spouse | 4,064 | 24.3% |
| Households with children under 18 | 5,346 | 32.0% |
| Households with seniors (65+) | 4,989 | 29.8% |
| Average household size | 2.67 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 32.3% | 27.6% |
| Married | 57.1% | 54.0% |
| Separated | 2.0% | 1.7% |
| Widowed | 1.8% | 7.6% |
| Divorced | 6.8% | 9.1% |
Education
Less than 9th grade
1.8%
Some HS, no diploma
3.5%
HS graduate
17.4%
Some college, no degree
18.7%
Associate's degree
7.1%
Bachelor's degree
36.7%
Graduate / professional
14.8%
| Metric | % |
|---|---|
| HS diploma or higher | 94.7% |
| Bachelor's or higher | 51.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 967 | 9.4% |
| Kindergarten | 602 | 5.9% |
| Elementary school | 3,756 | 36.7% |
| High school | 2,372 | 23.2% |
| College / grad school | 2,549 | 24.9% |
Employment
Industry of employment
Education & healthcare
19.7%
Professional & management
13.8%
Finance & real estate
12.6%
Retail trade
12.2%
Arts, food & hospitality
8.5%
Manufacturing
8.4%
Construction
6.6%
Other services
5.9%
Transportation & utilities
3.9%
Information
3.2%
Wholesale trade
2.5%
Public administration
2.3%
Agriculture & mining
0.5%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 49.2% |
| Service | 14.6% |
| Sales & office | 23.0% |
| Natural resources & construction | 5.6% |
| Production & transportation | 7.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 83.1% |
| Government | 9.1% |
| Self-employed | 7.3% |
| Unpaid family workers | 0.4% |
Commute
| Method | % |
|---|---|
| Drive alone | 71.3% |
| Carpool | 9.1% |
| Public transit | 0.9% |
| Walk | 1.4% |
| Work from home | 16.4% |
| Other means | 0.9% |
| Avg commute (minutes) | 26.4 |
Poverty
All people
5.8%
Under 18 years
7.8%
18 and over
5.2%
Married-couple families
1.9%
Female-led households
20.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 28.9% |
| Retirement income | 24.3% |
| Supplemental Security | 2.4% |
| Cash public assistance | 1.4% |
| Food stamps / SNAP | 3.7% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 26.7% |
| High blood pressure | 29.1% |
| High cholesterol | 32.0% |
| Diabetes | 8.0% |
| Heart disease | 5.0% |
| Stroke | 2.3% |
| Asthma | 8.0% |
| Arthritis | 19.6% |
| Kidney disease | 2.4% |
| Pulmonary disease | 4.5% |
| Cancer | 6.4% |
| Behavior / access | % |
|---|---|
| Smoking | 12.8% |
| Binge drinking | 16.4% |
| No physical activity | 16.7% |
| Less than 7 hrs sleep | 28.9% |
| Depression | 19.4% |
| Fair or poor health | 9.1% |
| Poor mental health | 12.1% |
| Poor physical health | 7.7% |
| No health insurance | 13.6% |
| Visited doctor (checkup) | 77.0% |
| Visited dentist | 72.3% |
| Cholesterol screening | 91.9% |
| Teeth loss | 7.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,491 | 7.1% |
| Disability | % |
|---|---|
| Any disability | 9.4% |
| Under 18 | 4.1% |
| 18–64 years | 6.9% |
| 65 and over | 25.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 77.4% |
| Public insurance | 27.5% |
| No insurance | 7.1% |
| Uninsured under 19 | 4.3% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 42,024 | 93.6% |
| Spanish | 2,970 | 7.1% |
| Other Indo-European | 719 | 1.7% |
| Asian & Pacific Islander | 840 | 2.0% |
| Other languages | 1,119 | 2.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 38,204 | 85.1% |
| Born in same state | 37,489 | 83.5% |
| Born in different state | 15,522 | 34.6% |
| Foreign born | 715 | 1.6% |
| Naturalized citizen | 6,695 | 14.9% |
| Not a US citizen | 3,583 | 53.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 5,141 | 11.5% |
| Italian | 4,357 | 9.7% |
| Arab | 2,474 | 5.5% |
| Polish | 511 | 1.1% |
| English | 268 | 0.6% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 207 | 0.5% |
| German | 166 | 0.4% |
| Norwegian | 141 | 0.3% |
| Dutch | 40 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 37.2% |
| Internet access | 97.2% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28105
What city is ZIP code 28105 in?
ZIP code 28105 is primarily assigned to Matthews, North Carolina.
What county is ZIP code 28105 in?
ZIP code 28105 falls within Mecklenburg County, North Carolina.
How educated is the population of ZIP code 28105?
52% 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 28105?
The median home value in ZIP code 28105 is $354,400.
What is the population of ZIP code 28105?
ZIP code 28105 has an estimated population of 44,899 residents, with a density of 1,933 people per square mile.
What is the median household income in ZIP code 28105?
The median household income in ZIP code 28105 is $100,845, above the national median of ~$75,000.
What timezone is ZIP code 28105 in?
ZIP code 28105 observes the EST timezone.