ZIP Code 28112 — Monroe city, NC Demographics & Data

ZIP code 28112 covers Monroe, NC in Union County with a population of about 27,651.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 28112 is about $74,853 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.3%; unemployment rate near 4.6%; 20.5% of adults with a bachelor’s degree or higher (about 13.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Construction; about 7.6% of workers reporting work-from-home (about 7.6 points below 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 $272,300 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $901 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 71.3% (about 5.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28112 in Monroe, NC, a household would need roughly $75,000 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 $1,749. That is roughly in line with the local median household income ($74,853). 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 Monroe city, NC as Relatively Moderate (composite score 89.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.5) and hurricane (81.4). 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 Monroe city, NC show little to no average snow and around 47.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,148 for ZIP 28112 (Monroe 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.