28112 ZIP Code — Monroe, NC

Union County, North Carolina

ZIP code 28112 is located in Monroe, North Carolina, within Union County. It covers approximately 132.13 square miles and serves a population of 27,845 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 704/980.

About ZIP code 28112

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 $234,900. Owner-occupancy sits near the national average at 72%.

Median household income is $64,981. 35% 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 29 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. 17% of residents lack health insurance, above the national average.

27,845

population

132.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28112 ZIP code map

Cities in ZIP code 28112

Below are the cities the US Postal Service accepts for ZIP code 28112. Using any city not on this list may result in mail delivery delays.

City	Status
Monroe	Preferred

Nearby ZIP codes

28174 Wingate (7.3 mi) 28173 Waxhaw (11.3 mi) 28110 Monroe (11.7 mi) 29728 Pageland (11.9 mi) 28103 Marshville (12.4 mi) 29720 Lancaster (13.1 mi) 28104 Matthews (14.6 mi) 28079 Indian Trail (15 mi) 28133 Peachland (16.9 mi) 28105 Matthews (17.4 mi) 29722 Lancaster (18.2 mi) 29707 Fort Mill (18.8 mi)

Demographics updated 05/2026

Population
Total population	27,845
Population density	211 / sq mi
State FIPS	37
County FIPS	179

Geography
Land area	132.13 sq mi
Water area	1.53 sq mi
Latitude	34.9018
Longitude	-80.5381
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	47.9%	28.8%	44.4%
$50k – $100k	28.3%	30.6%	30.6%
$100k – $200k	20.9%	27.9%	19.1%
Over $200k	2.9%	12.6%	6.0%

Demographics & statistics

27,845

Population

211

People per sq mi

39.6

Median age

$64,981

Median household income

$31,548

Per capita income

$234,900

Median home value

$985

Median monthly rent

71.6%

Home ownership

12.0%

Poverty rate

5.4%

Unemployment

7,743

Housing units

20.1%

Bachelor's or higher

Age distribution

Male Female

1,016

Under 5

973

875

5–9

837

1,021

10–14

978

760

15–19

728

895

20–24

856

1,710

25–34

1,636

1,760

35–44

1,684

1,607

45–54

1,538

1,130

55–59

1,081

1,114

60–64

1,067

1,356

65–74

1,298

733

75–84

701

251

85+

240

← Male

Female →

Age summary

Group	Count	%
Under 18	6,617	23.8%
18 and over	21,228	76.2%
65 and over	4,579	16.4%
Median age	39.6 years

Race & ethnicity

White 60.1%

Black or African American 13.9%

Hispanic or Latino 10.7%

Other race 8.8%

Two or more races 5.6%

Asian 0.5%

American Indian / Alaska Native 0.4%

Group	Count	%
White	18,737	60.1%
Black or African American	4,345	13.9%
Hispanic or Latino	3,342	10.7%
Other race	2,732	8.8%
Two or more races	1,754	5.6%
Asian	144	0.5%
American Indian / Alaska Native	133	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.9%	28.8%	44.4%
$50k – $100k	28.3%	30.6%	30.6%
$100k – $200k	20.9%	27.9%	19.1%
Over $200k	2.9%	12.6%	6.0%

Under $10k 4.8%

$10k–$15k 3.6%

$15k–$25k 6.8%

$25k–$35k 10.0%

$35k–$50k 14.2%

$50k–$75k 15.7%

$75k–$100k 13.5%

$100k–$150k 20.2%

$150k–$200k 6.1%

$200k+ 4.9%

Range	% of households
Under $10k	4.8%
$10k–$15k	3.6%
$15k–$25k	6.8%
$25k–$35k	10.0%
$35k–$50k	14.2%
$50k–$75k	15.7%
$75k–$100k	13.5%
$100k–$150k	20.2%
$150k–$200k	6.1%
$200k+	4.9%
Median income	$64,981

Housing

Home values

Under $50k 3.2%

$50k–$100k 5.7%

$100k–$150k 13.5%

$150k–$200k 15.9%

$200k–$300k 30.3%

$300k–$500k 24.8%

$500k–$1M 3.8%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$234,900
Median rent / month	$985
Owner occupied	71.6%
Renter occupied	28.4%
Vacant	5.3%
Single-family detached	80.4%
Large apartment buildings	1.2%
Mobile homes	6.3%
Median rooms	6.0
Avg household size (owned)	2.75

Year built

Era	%
2020 or later	1.6%
2010–2019	5.2%
2000–2009	15.9%
1990–1999	19.9%
1980–1989	18.5%
1970–1979	10.4%
1960–1969	9.9%
1950–1959	8.4%
1940–1949	2.3%
1939 or earlier	7.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	2.4%
2 bedrooms	22.0%
3 bedrooms	53.9%
4 bedrooms	17.6%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	21.6%
2 vehicles	39.3%
3 or more	32.6%

Heating fuel

Fuel type	%
Utility gas	23.7%
Electricity	59.5%
Propane / LP gas	13.0%
Fuel oil	1.0%
Wood	0.9%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	5,454	54.4%
Cohabiting couple	703	7.0%
Male householder, no spouse	1,513	15.1%
Female householder, no spouse	2,364	23.6%
Households with children under 18	3,000	29.9%
Households with seniors (65+)	3,117	31.1%
Average household size	2.71

Marital status

Status	Male	Female
Never married	31.5%	23.4%
Married	53.5%	53.2%
Separated	3.1%	3.4%
Widowed	2.3%	11.3%
Divorced	9.6%	8.7%

Education

Less than 9th grade 7.1%

Some HS, no diploma 10.3%

HS graduate 29.9%

Some college, no degree 22.0%

Associate's degree 10.8%

Bachelor's degree 13.7%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	82.7%
Bachelor's or higher	20.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	477	7.9%
Kindergarten	342	5.6%
Elementary school	3,129	51.6%
High school	1,339	22.1%
College / grad school	781	12.9%

Employment

Industry of employment

Education & healthcare 19.0%

Manufacturing 16.2%

Retail trade 11.9%

Construction 11.3%

Professional & management 9.9%

Arts, food & hospitality 6.6%

Other services 6.5%

Finance & real estate 4.7%

Transportation & utilities 4.2%

Public administration 3.7%

Wholesale trade 2.7%

Agriculture & mining 2.6%

Information 0.9%

Occupation

Category	%
Management, business & arts	30.3%
Service	16.2%
Sales & office	19.2%
Natural resources & construction	15.2%
Production & transportation	19.2%

Employment type

Type	%
Private sector	81.3%
Government	12.3%
Self-employed	5.3%
Unpaid family workers	1.2%

Commute

Method	%
Drive alone	77.7%
Carpool	13.1%
Public transit	0.2%
Walk	0.9%
Work from home	6.9%
Other means	1.2%
Avg commute (minutes)	29.4

Poverty

All people 12.0%

Under 18 years 16.1%

18 and over 10.7%

Married-couple families 3.1%

Female-led households 30.0%

Income support

Source	% of households
Social Security	34.6%
Retirement income	24.2%
Supplemental Security	5.0%
Cash public assistance	2.7%
Food stamps / SNAP	12.9%

Health indicators

Condition	%
Obesity	35.5%
High blood pressure	35.1%
High cholesterol	33.8%
Diabetes	11.4%
Heart disease	7.0%
Stroke	3.6%
Asthma	9.4%
Arthritis	26.5%
Kidney disease	3.3%
Pulmonary disease	7.7%
Cancer	6.3%

Behavior / access	%
Smoking	21.3%
Binge drinking	16.1%
No physical activity	26.1%
Less than 7 hrs sleep	33.0%
Depression	23.4%
Fair or poor health	16.7%
Poor mental health	15.1%
Poor physical health	11.8%
No health insurance	22.4%
Visited doctor (checkup)	77.9%
Visited dentist	58.0%
Cholesterol screening	88.7%
Teeth loss	18.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,731	8.2%

Disability	%
Any disability	11.9%
Under 18	4.5%
18–64 years	9.1%
65 and over	34.3%

Health insurance coverage

Type	%
Private insurance	57.4%
Public insurance	37.5%
No insurance	17.1%
Uninsured under 19	11.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	25,856	92.9%
Spanish	2,704	10.5%
Other Indo-European	2,581	10.0%
Asian & Pacific Islander	52	0.2%
Other languages	15	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	24,299	87.3%
Born in same state	23,966	86.1%
Born in different state	15,920	57.2%
Foreign born	333	1.2%
Naturalized citizen	3,546	12.7%
Not a US citizen	1,046	29.5%

Ancestry

Ancestry	Count	%
French	2,397	8.6%
Arab	2,319	8.3%
Italian	1,495	5.4%
English	142	0.5%
Polish	99	0.4%

Ancestry	Count	%
Irish	84	0.3%
German	67	0.2%
Norwegian	55	0.2%
Dutch	33	0.1%

Technology access

Metric	% of households
Computer access	36.0%
Internet access	91.0%

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

Frequently asked questions about ZIP code 28112

What city is ZIP code 28112 in?

ZIP code 28112 is primarily assigned to Monroe, North Carolina.

What county is ZIP code 28112 in?

ZIP code 28112 falls within Union County, North Carolina.

What is the population of ZIP code 28112?

ZIP code 28112 has an estimated population of 27,845 residents, with a density of 211 people per square mile.

What is the median household income in ZIP code 28112?

The median household income in ZIP code 28112 is $64,981, below the national median of ~$75,000.

What is the typical home value in ZIP code 28112?

The median home value in ZIP code 28112 is $234,900.

What timezone is ZIP code 28112 in?

ZIP code 28112 observes the EST timezone.