ZIP Code 28213 — Charlotte city, NC Demographics & Data

ZIP code 28213 covers Charlotte, NC in Mecklenburg County with a population of about 45,676.

At a glance, the area shows median age of 32.6 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 university of north carolina at charlotte (1.4 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 28213 is about $55,612 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.0%; unemployment rate near 4.7%; 34.4% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 27.2% of workers reporting work-from-home (about 12.0 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 $251,700 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,168 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 46.1% (about 19.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28213 in Charlotte, NC, a household would need roughly $69,000 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 $1,617. That is about 24% above the local median household income ($55,612), 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 47.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,896 for ZIP 28213 (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.