ZIP code 28040

ZIP 28040 is a mid-size town in Rutherford County, North Carolina, with 7,047 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #374 of 853 ranked by population — larger than 56% of them. The median age here is 44.6 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 28040 earn a median of $57,989 a year, 26.2% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 11.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 28040 is valued at $148,000, 51.2% below the national figure, while median gross rent runs $697 a month, 50.4% below the national figure, or roughly $8,364 across a full year. A household on the local median income would put about 14.4% 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 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 85.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. 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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.

ZIP 28040 is tabulated inside Rutherford County, North Carolina, one of 12 ZIP areas the Census publishes for that county and 853 across North Carolina. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 28040 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 28040 reports a median household income of $57,989, 11% above the $52,148 county median, and 7% below the $62,646 typical NC ZIP. Owner-occupied homes are valued at a median of $148,000, 20% below the county figure and 27% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $697 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

North Carolina charges 4.75% statewide, and local governments overlapping 28040 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 28040 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.