Caldwell ZIP codes — Caldwell County, North Carolina

Caldwell County is a small city in North Carolina, with 80,618 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 45.5 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Caldwell County earn a median of $55,401 a year, 29.5% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 12.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Caldwell County is valued at $174,000, 42.6% below the national figure, while median gross rent runs $735 a month, 47.7% below the national figure, or roughly $8,820 across a full year. A household on the local median income would put about 15.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.1×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.