ZIP Code 28105 — Matthews town, NC Demographics & Data

ZIP code 28105 covers Matthews, NC in Mecklenburg County with a population of about 45,922.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 704, 980; U.S. House district NC-8; the CHARLOTTE media market.

Median household income in ZIP 28105 is about $104,242 — about 39% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 2.9%; 52.2% of adults with a bachelor’s degree or higher (about 18.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Finance and insurance; about 17.4% of workers reporting work-from-home (about 2.3 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 $389,100 — about 12% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,449 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 67.8% (about 2.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28105 in Matthews, NC, a household would need roughly $107,000 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 $2,499. That is roughly in line with the local median household income ($104,242). 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 Matthews town, NC as Relatively High (composite score 97.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.0) and hurricane (84.2). 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 Matthews town, NC show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,906 for ZIP 28105 (Matthews town, 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.