ZIP Code 28173 — Waxhaw town, NC Demographics & Data

ZIP code 28173 covers Waxhaw, NC in Union County with a population of about 63,503.

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.

Waxhaw, NC aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 28173 is about $146,196 — about 95% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.7%; unemployment rate near 3.2%; 57.0% of adults with a bachelor’s degree or higher (about 23.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Professional services, and Retail trade; about 28.2% of workers reporting work-from-home (about 13.0 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 $558,500 — about 60% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,418 (about 22% above the U.S. median rent ($1,163)), and owner-occupancy near 89.4% (about 24.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28173 in Waxhaw, NC, a household would need roughly $154,000 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 $3,588. That is roughly in line with the local median household income ($146,196). 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 Waxhaw town, 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 Waxhaw 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 2,636 for ZIP 28173 (Waxhaw 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.