28682 ZIP Code — Terrell, NC

Catawba County, North Carolina

ZIP code 28682 is located in Terrell, North Carolina, within Catawba County. It covers approximately 3.83 square miles and serves a population of 1,456 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28682

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 $549,100. Owner-occupancy is high at 80%, well above the national average.

The gap between median ($92,923) and mean household income suggests income inequality — a small number of higher earners pull the average up. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Overall, ZIP code 28682 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,456

population

3.83

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28682 ZIP code map

Cities in ZIP code 28682

Below are the cities the US Postal Service accepts for ZIP code 28682. Using any city not on this list may result in mail delivery delays.

City	Status
Terrell	Preferred

Nearby ZIP codes

28673 Sherrills Ford (2.4 mi) 28117 Mooresville (3.7 mi) 28037 Denver (6.5 mi) 28031 Cornelius (8.6 mi) 28166 Troutman (8.7 mi) 28609 Catawba (8.7 mi) 28677 Statesville (10.4 mi) 28650 Maiden (11.2 mi) 28115 Mooresville (11.2 mi) 28036 Davidson (11.3 mi) 28036 Davidson (11.3 mi) 28080 Iron Station (11.9 mi)

Demographics updated 05/2026

Population
Total population	1,456
Population density	380 / sq mi
State FIPS	37
County FIPS	035

Geography
Land area	3.83 sq mi
Water area	2.97 sq mi
Latitude	35.5786
Longitude	-80.9616
Timezone	Eastern (ET)
Area code	828

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.9%	45.7%	44.4%
$50k – $100k	30.1%	33.1%	30.6%
$100k – $200k	30.7%	17.0%	19.1%
Over $200k	12.4%	4.2%	6.0%

Demographics & statistics

1,456

Population

380

People per sq mi

50.3

Median age

$92,923

Median household income

$74,308

Per capita income

$549,100

Median home value

$1,239

Median monthly rent

79.5%

Home ownership

11.3%

Poverty rate

5.4%

Unemployment

581

Housing units

40.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

120

10–14

15–19

25–34

35–44

45–54

107

55–59

60–64

65–74

131

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	311	21.4%
18 and over	1,145	78.6%
65 and over	354	24.3%
Median age	50.3 years

Race & ethnicity

White 100%

Group	Count	%
White	1,456	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.9%	45.7%	44.4%
$50k – $100k	30.1%	33.1%	30.6%
$100k – $200k	30.7%	17.0%	19.1%
Over $200k	12.4%	4.2%	6.0%

Under $10k 3.3%

$15k–$25k 3.2%

$25k–$35k 4.6%

$35k–$50k 3.3%

$50k–$75k 18.1%

$75k–$100k 27.0%

$100k–$150k 16.1%

$150k–$200k 1.8%

$200k+ 22.6%

Range	% of households
Under $10k	3.3%
$15k–$25k	3.2%
$25k–$35k	4.6%
$35k–$50k	3.3%
$50k–$75k	18.1%
$75k–$100k	27.0%
$100k–$150k	16.1%
$150k–$200k	1.8%
$200k+	22.6%
Median income	$92,923

Housing

Home values

$150k–$200k 8.8%

$200k–$300k 3.3%

$300k–$500k 34.2%

$500k–$1M 44.4%

$1M+ 9.3%

Housing overview

Metric	Value
Median home value	$549,100
Median rent / month	$1,239
Owner occupied	79.5%
Renter occupied	20.5%
Vacant	18.3%
Single-family detached	88.0%
Large apartment buildings	0.0%
Mobile homes	9.9%
Median rooms	7.5
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	6.0%
2000–2009	46.6%
1990–1999	16.2%
1980–1989	16.0%
1970–1979	9.5%
1960–1969	5.7%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	4.9%
3 bedrooms	41.5%
4 bedrooms	48.0%
5+ bedrooms	5.6%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	11.6%
2 vehicles	41.9%
3 or more	44.6%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	85.4%
Propane / LP gas	10.7%
Wood	1.9%

Households & families

Household type	Count	%
Married-couple family	455	79.8%
Cohabiting couple	11	1.9%
Male householder, no spouse	0	0.0%
Female householder, no spouse	104	18.2%
Households with children under 18	130	22.8%
Households with seniors (65+)	222	38.9%
Average household size	2.55

Marital status

Status	Male	Female
Never married	10.9%	3.3%
Married	87.8%	79.3%
Separated	0.0%	1.3%
Widowed	1.3%	3.2%
Divorced	0.0%	12.9%

Education

Less than 9th grade 2.1%

Some HS, no diploma 4.0%

HS graduate 19.3%

Some college, no degree 10.4%

Associate's degree 24.0%

Bachelor's degree 24.8%

Graduate / professional 15.3%

Metric	%
HS diploma or higher	93.9%
Bachelor's or higher	40.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	88	28.9%
Elementary school	184	60.3%
High school	7	2.3%
College / grad school	26	8.5%

Employment

Industry of employment

Transportation & utilities 16.7%

Other services 16.2%

Finance & real estate 14.6%

Professional & management 13.7%

Education & healthcare 12.5%

Manufacturing 9.0%

Wholesale trade 5.6%

Retail trade 3.3%

Arts, food & hospitality 2.5%

Public administration 2.3%

Agriculture & mining 1.9%

Construction 1.7%

Occupation

Category	%
Management, business & arts	41.1%
Service	19.3%
Sales & office	14.2%
Natural resources & construction	18.8%
Production & transportation	6.5%

Employment type

Type	%
Private sector	83.2%
Government	4.8%
Self-employed	12.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.9%
Carpool	18.4%
Public transit	0.0%
Walk	0.0%
Work from home	17.8%
Other means	0.0%
Avg commute (minutes)	36.4

Poverty

All people 11.3%

Under 18 years 30.5%

18 and over 6.1%

Married-couple families 5.7%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.8%
Retirement income	32.3%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	1.2%

Health indicators

Condition	%
Obesity	28.1%
High blood pressure	35.9%
High cholesterol	37.8%
Diabetes	9.8%
Heart disease	6.9%
Stroke	3.0%
Asthma	8.5%
Arthritis	28.6%
Kidney disease	2.9%
Pulmonary disease	6.5%
Cancer	8.1%

Behavior / access	%
Smoking	15.4%
Binge drinking	15.8%
No physical activity	17.9%
Less than 7 hrs sleep	31.0%
Depression	21.8%
Fair or poor health	11.0%
Poor mental health	12.2%
Poor physical health	9.5%
No health insurance	12.4%
Visited doctor (checkup)	79.9%
Visited dentist	72.6%
Cholesterol screening	93.1%
Teeth loss	9.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	58	5.1%

Disability	%
Any disability	7.4%
Under 18	0.0%
18–64 years	1.0%
65 and over	28.2%

Health insurance coverage

Type	%
Private insurance	72.7%
Public insurance	44.0%
No insurance	5.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,424	97.8%
Spanish	38	2.7%
Other Indo-European	23	1.6%
Asian & Pacific Islander	15	1.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,403	96.4%
Born in same state	1,395	95.8%
Born in different state	821	56.4%
Foreign born	8	0.5%
Naturalized citizen	53	3.6%
Not a US citizen	30	56.6%

Ancestry

Ancestry	Count	%
Arab	221	15.2%
French	217	14.9%

Ancestry	Count	%
Italian	200	13.7%
Polish	20	1.4%

Technology access

Metric	% of households
Computer access	39.1%
Internet access	96.8%

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

Frequently asked questions about ZIP code 28682

What city is ZIP code 28682 in?

ZIP code 28682 is primarily assigned to Terrell, North Carolina.

What county is ZIP code 28682 in?

ZIP code 28682 falls within Catawba County, North Carolina.

Does ZIP code 28682 have a large retiree population?

36% of households in ZIP code 28682 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 28682?

The median home value in ZIP code 28682 is $549,100.

What is the population of ZIP code 28682?

ZIP code 28682 has an estimated population of 1,456 residents, with a density of 381 people per square mile.

What is the median household income in ZIP code 28682?

The median household income in ZIP code 28682 is $92,923, above the national median of ~$75,000.

What timezone is ZIP code 28682 in?

ZIP code 28682 observes the EST timezone.