ZIP Code 28204 — Charlotte city, NC Demographics & Data

ZIP code 28204 covers Charlotte, NC in Mecklenburg County with a population of about 9,744.

At a glance, the area shows median age of 30.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 704, 980; U.S. House district NC-12; the CHARLOTTE media market.

Charlotte, NC sits in a university / college context (near central piedmont community college (0.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 28204 is about $89,207 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.9%; unemployment rate near 4.2%; 76.3% of adults with a bachelor’s degree or higher (about 42.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Finance and insurance; about 29.6% of workers reporting work-from-home (about 14.4 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 $576,900 — about 66% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,620 (about 39% above the U.S. median rent ($1,163)), and owner-occupancy near 25.9% (about 39.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28204 in Charlotte, NC, a household would need roughly $159,000 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 $3,706. That is about 78% above the local median household income ($89,207), so the median earner would likely stretch or need a larger down payment. 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 Charlotte city, 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 Charlotte 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 405 for ZIP 28204 (Charlotte 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.