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ZIP Code28110

Monroe, NC

Union County · North Carolina · United States
Home to 55,807 people across 127.372 square miles.

EasternOwner-majority8 ZIPs in county

At a glance

28110 by the numbers

Every figure below comes from the 2019–2023 American Community Survey 5-Year Estimates, the Census Gazetteer, or is computed from those. Margins of error are shown where they matter.

Population
56k
±1,711 · top 5% nationally
Median household income
$81,221
US median $70,109 · 66th pctile
Median home value
$302,600
US median $207,500 · 71th pctile
Median age
36.9
US median 42 years
Population density
438/mi²
71th pctile most dense
Land area
127.372 mi²
plus 1.638 mi² water

Location

Where 28110 is

35.066044, -80.509089 · Census ZCTA internal pointOpen larger map →
Coordinates35.066044, -80.509089
Time zoneAmerica/New_York
CountyUnion County
StateNorth Carolina (NC)
Land area127.372 mi²
Coordinate sourceCensus ZCTA internal point

Local time

America/New_York

—:—:—

Current weather

Live from the National Weather Service

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Distance to major cities

Straight-line, computed from coordinates

Atlanta, GA239.1 mi
Philadelphia, PA446.8 mi
New York, NY526.9 mi
Chicago, IL607.7 mi

People

Who lives in 28110

55,807 residents in 18,785 households, averaging 2.97 people per household. The largest age group is under 18 at 26.4% of residents, and 75.3% of households are families.

Age distribution

Share of residents by age band

Under 1826.4%
18-249.9%
25-3411.5%
35-4413.8%
45-5414.1%
55-6410.6%
65+13.7%

Households

Composition and size

Total households18,785
Average household size2.97
Family households75.3%
Living alone20.0%
Median age36.9 years
Households with internet92.3%

Race & ethnicity

Census race categories. Hispanic or Latino origin is asked separately and overlaps these groups.

White66.7%
Black12.1%
Asian1.2%
Native American0.8%
Pacific Islander0.0%
Other10.8%
Two or more8.4%
Hispanic / Latino21.0%

Income & work

What people earn in 28110

The median household here earns $81,221 a year, above the US median of $70,109, which puts 28110 ahead of 66% of American ZIP codes. 11.0% of residents live below the poverty line.

Compared to the US

This ZIP against the national median

Median household income$81,221
LowestHighest
Higher than 66% of all US ZIP codes.
Median household income$81,221 ±$4,705
Per capita income$33,131
Poverty rate11.0%
Unemployment rate4.2%
Labor force participation67.2%

Household income distribution

Share of households in each bracket

<$25k10.7%
$25-50k19.2%
$50-75k17.0%
$75-100k14.5%
$100-150k20.7%
$150-200k9.6%
$200k+8.3%

Educational attainment among residents 25 and older: 23.7% hold a bachelor's degree or higher, 86.5% finished high school.

Housing

Homes and rent in 28110

A typical home is valued at $302,600, and median rent runs $1,313 a month. This is an owner-majority area — 75.4% of occupied homes are owned, and the typical building went up in 1995.

Costs

Typical values

Median home value$302,600
Median gross rent$1,313/mo
Median year built1995
Housing units20,236
Vacancy rate7.2%

Own vs. rent

Of 18,785 occupied units

Owner-occupied75.4%
Renter-occupied24.6%
Owner households14,168
Renter households4,617

Building types

Units by structure size

Single family83.8%
2-4 units2.9%
5-19 units4.9%
20+ units8.4%

Getting to work

How 28110 commutes

75.3% of workers drove alone, and the average one-way trip takes 32.5 minutes.

Mode of transport

Workers 16 and older

Drove alone75.3%
Carpooled11.3%
Public transit0.0%
Walked0.5%
Worked from home12.0%

Travel time

Mean commute 32.5 minutes

<10 min7.6%
10-1927.5%
20-2916.6%
30-4421.8%
45-5915.8%
60+10.7%

Overview

Understanding ZIP code 28110

ZIP code 28110 is assigned to Monroe, NC, and falls within Union County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 55,807 people live inside it.

At 438 residents per square mile spread over 127.372 square miles, 28110 reads as a small-town area. It is a populous postal code, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.

Household earnings track close to the national picture. The median of $81,221 puts 28110 near the middle of the pack, ahead of 66% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.

Living here

What life in Monroe looks like

Housing in 28110 costs close to the national median. A typical home is valued at $302,600 against a US median of $207,500, and median gross rent runs $1,313 a month. Ownership dominates: 75.4% of occupied homes are owner-occupied, which usually signals an established residential area with relatively low turnover.

The building stock is dominated by detached single-family houses, which account for 83.8% of housing units here. The median construction year is 1995, making the housing here from the later twentieth century.

The population skews broadly in line with the national age profile, with a median age of 36.9 against 42 nationally. The average household holds 2.97 people, and 75.3% are family households.

Getting to work takes 32.5 minutes on average one way. The dominant mode is drove alone at 75.3% of workers, while 12.0% work from home. Commute patterns are one of the better proxies for how a place actually functions day to day.

Where to stay

Where to stay in Monroe, NC

Monroe is a smaller community, so options inside 28110 may be limited to a handful of independent inns, motels or bed-and-breakfast properties. Travellers often widen the search to the surrounding area, where the choice is greater and prices are usually competitive.

Median rent in 28110 is $1,313 a month, which sits in the middle of the national range; accommodation pricing locally tends to be similarly mid-market. For reference, Atlanta, GA is about 239.1 miles away in a straight line, which is worth factoring in if you are comparing a stay here against one closer to the city centre.

Availability and pricing change constantly, so the live search below will give you a more accurate picture than any figure we could publish here. It opens results for this area on Booking.com.

Book a Hotel →

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Practical uses

What ZIP code 28110 is used for

Beyond addressing mail, 28110 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.

For anyone weighing a move, 28110 offers a compact profile of Monroe: 55,807 residents, a median household income of $81,221, 23.7% of adults holding a bachelor's degree or higher, and an unemployment rate of 4.2%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.

One caution worth repeating: a postal code is not a neighbourhood. 28110 may cover parts of several distinct areas, and a single neighbourhood in Monroe may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.

Nearby

ZIP codes near 28110

The eight closest postal codes by centroid distance, each with its own full profile. You can also browse every North Carolina ZIP code or use the ZIP Express Lookup to search by city, county or time zone.

28111Monroe4.7 mi away28079Indian Trail6.2 mi away28174Wingate7.8 mi away28103Marshville10.1 mi away28104Matthews10.7 mi away28163Stanfield10.8 mi away28227Charlotte11.5 mi away28105Matthews11.9 mi away

Other ZIP codes in Monroe

Monroe is served by 3 postal codes.

2811128112

More in Union County

28079281032810828111281122817328174

Look up another

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Questions

Common questions about 28110

What city is ZIP code 28110 in?
28110 serves Monroe, North Carolina, in Union County, United States.
What is the population of 28110?
About 55,807 people live in ZIP code 28110, according to the US Census Bureau's 2019–2023 American Community Survey 5-Year Estimates. The margin of error on that figure is ±1,711. That works out to roughly 438 people per square mile.
What is the average income in 28110?
The median household income in 28110 is $81,221 per year, compared with a US median of $70,109. Per capita income is $33,131. Median income is more representative than an average because it isn't skewed by a small number of very high earners.
How expensive is housing in 28110?
The median home value is $302,600 and median gross rent is $1,313 a month. 75.4% of occupied homes are owner-occupied.
Is 28110 a good place to live?
That depends on what you're looking for, but here are the facts: 23.7% of adults hold a bachelor's degree or higher, the unemployment rate is 4.2%, and the median age is 36.9. The average commute is 32.5 minutes. We publish the numbers and let you weigh them.
What time zone is 28110 in?
28110 observes Eastern Time (America/New_York). This zone observes daylight saving time.
How big is ZIP code 28110?
ZIP code 28110 covers 127.372 square miles of land plus 1.638 square miles of water, per the US Census Bureau's 2023 Gazetteer files.
Is 28110 urban, suburban or rural?
By population density, 28110 reads as a small-town area. It holds 438 people per square mile across 127.372 square miles of land. For reference, densities above 10,000 per square mile generally indicate an urban core, 1,000–3,000 is typically suburban, and under 200 is rural. These are rules of thumb rather than official designations — the Census Bureau classifies urban and rural areas by census block, not by ZIP code.
How much is rent in 28110?
Median gross rent in 28110 is $1,313 a month, according to the American Community Survey. Gross rent includes contract rent plus the estimated cost of utilities and fuels, so it is closer to what a tenant actually pays than a headline rent figure. Of 18,785 occupied homes here, 4,617 are rented.
What is the commute like from 28110?
The average one-way commute from 28110 takes about 32.5 minutes. The most common way to travel is drove alone, used by 75.3% of workers aged 16 and over. Commute figures cover people who were employed and working outside the home during the survey period.
How many people work in 28110?
About 27,817 residents of 28110 are employed. Labor force participation stands at 67.2% and the unemployment rate is 4.2%. Note this counts residents by where they live, not by where they work — a ZIP with many offices can have far more jobs than employed residents.
Where should I stay when visiting 28110?
Accommodation in and around Monroe, NC ranges with the character of the area. See the 'Where to stay' section on this page for local context, and use the live search there for current availability and pricing.
Does 28110 cover more than one city or county?
This page lists Monroe as the primary place and Union County as the county. ZIP codes follow mail delivery routes rather than municipal or county lines, so a single code can straddle boundaries, and USPS also recognises alternate acceptable city names for many codes. If you need the definitive answer for a specific street address, the USPS ZIP Code Lookup is the authority.
Can ZIP code 28110 change?
Yes. USPS adjusts ZIP codes as delivery volumes shift — codes are occasionally split, merged, retired or newly created, and boundaries move more often than most people assume. The Census Bureau's ZCTA definitions, which underpin the demographic figures on this page, are redrawn only once a decade, so the two can drift apart between censuses.

Methodology

Where this data comes from

  • Postal geography — GeoNames open postal code database (CC BY 4.0), cross-checked against the US Census Gazetteer.
  • Demographics, income, housing, commute — US Census Bureau, American Community Survey 2019–2023 5-Year Estimates, ZIP Code Tabulation Area 28110. Tables B01001, B01002, B01003, B02001, B03003, B08301, B08303, B11001, B15003, B17001, B19001, B19013, B19301, B23025, B25002, B25003, B25024, B25035, B25064, B25077, B28002.
  • Land and water area — US Census Bureau 2023 Gazetteer Files.
  • Weather — NOAA National Weather Service, fetched live in your browser.
  • Map — OpenStreetMap contributors (ODbL).
On accuracy. ACS figures are survey estimates, not counts. The margin of error shown alongside the population figure means the true value has a 90% chance of falling in that range. For small ZIP codes the error can be large relative to the estimate — treat the direction as more reliable than the exact number. This page reports data for ZCTA 28110, the Census approximation of the USPS delivery area.

The Census Bureau's guidance on ZIP Code Tabulation Areas explains exactly how these polygons are built from census blocks, and where they diverge from postal boundaries.