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Cleveland County · North Carolina

ZIP code 28042

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 28042 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
306

ZCTA residents

Median income
—

Household, past 12 months

Median home
$91,300

Owner-occupied value

Sales tax
4.75%

North Carolina state rate

Quick answer

ZIP 28042 sits in Cleveland County, North Carolina and is home to 306 people. Median household income is —, the median home is worth $91,300 and median gross rent is $728. 45.7% of households own their home, and purchases are taxed at 4.75% (North Carolina state rate).

County
Cleveland County

FIPS 37045

State
North Carolina (NC)

853 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 28042

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
306ZIP 28042 residents
Median household income
—Past 12 months, inflation adjusted
Median home value
$91,300Owner-occupied units
Median gross rent
$728Rent plus utilities, monthly
Median age
32.6 yrsAll residents
Homeownership rate
45.7%Owner-occupied households

ZIP 28042 in context

How this area compares with national benchmarks.

ZIP 28042 is a very small community in Cleveland County, North Carolina, with 306 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #758 of 853 ranked by population — larger than 11% of them. The median age here is 32.6 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 28042 earn a median of not published a year. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 57.8% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 28042 is valued at $91,300, 69.9% below the national figure, while median gross rent runs $728 a month, 48.2% below the national figure, or roughly $8,736 across a full year. 45.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 306 residents, a handful of survey responses moves every median on this page. Compare ZIP 28042 against its county rather than against national figures.

The Census withheld household income for ZIP 28042 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

Reading ZIP 28042 in context

How 28042 sits inside Cleveland County and North Carolina.

ZIP 28042 is tabulated inside Cleveland County, North Carolina, one of 12 ZIP areas the Census publishes for that county and 853 across North Carolina. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 28042 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 28042 reports a median household income of not published. Owner-occupied homes are valued at a median of $91,300, 42% below the county figure and 55% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $728 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 28042 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 28042 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.

Sales tax in 28042

What a purchase inside this ZIP costs at checkout.

Rate applied
4.75%State base rate only
Tax on $100
$5Rounded to the dollar
Tax on $1,000
$48Before any exemptions

North Carolina levies 4.75% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
—Median rent ÷ median income
Price-to-income
—Home value ÷ household income
Est. mortgage
$474/mo20% down, 30-yr at 6.75%
Poverty rate
57.8%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 28042 compares

ZIP 28042 against the median ZIP in Cleveland County and across North Carolina.

MeasureZIP 28042County medianState medianvs state
Median household income—$56,079$62,646—
Median home value$91,300$158,650$203,100-55%
Median gross rent$728$784$941-23%
Population3064,2955,300-94%

Medians are computed across the 12 ZIP areas in Cleveland County and the 853 ZIP areas in North Carolina.

Statewide rank

Where this ZIP places among all 853 North Carolina ZIP areas.

Income

Not published

—
Home value

above 6% of 763 state ZIPs

#719
Population

larger than 11% of 853 state ZIPs

#758

Nearby ZIP codes

Other ZIP codes filed under Cleveland County.

Adjacent ZIP Codes

Other ZIP codes in Cleveland County, North Carolina.

ZIP 28042 questions

Common questions about this ZIP code.

Where is ZIP code 28042?
ZIP 28042 lies mostly in Cleveland County, North Carolina. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 28042?
North Carolina charges 4.75% statewide, plus any county, city or district rate that applies locally.
Is 28042 expensive to live in?
Median rent runs $728 a month, and the median home is worth $91,300 — -55% against the typical North Carolina ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 28042, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.