ZIP Code 28012 — Belmont city, NC Demographics & Data

ZIP code 28012 covers Belmont, NC in Gaston County with a population of about 26,519.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 704, 980; U.S. House district NC-14; the CHARLOTTE media market.

Median household income in ZIP 28012 is about $81,057 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 5.4%; 41.7% of adults with a bachelor’s degree or higher (about 8.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 17.1% of workers reporting work-from-home (about 1.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $324,400 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,138 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 68.5% (about 3.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28012 in Belmont, NC, a household would need roughly $89,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,084. That is roughly in line with the local median household income ($81,057). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Belmont city, NC as Relatively Moderate (composite score 84.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.5) and hurricane (70.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Belmont city, NC show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,101 for ZIP 28012 (Belmont city, NC) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.