ZIP code 28304

ZIP 28304 is a small city in Cumberland County, North Carolina, with 36,634 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #89 of 853 ranked by population — larger than 89% of them. The median age here is 34.9 years against 39.1 nationally, a slightly younger 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 28304 earn a median of $57,867 a year, 26.3% 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 16.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 28304 is valued at $154,300, 49.1% below the national figure, while median gross rent runs $1,218 a month, 13.4% below the national figure, or roughly $14,616 across a full year. A household on the local median income would put about 25.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 54.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 28304 is tabulated inside Cumberland County, North Carolina, one of 17 ZIP areas the Census publishes for that county and 853 across North Carolina. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. 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 28304 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 28304 reports a median household income of $57,867, 9% below the $63,384 county median, and 8% below the $62,646 typical NC ZIP. Owner-occupied homes are valued at a median of $154,300, 21% below the county figure and 24% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,218 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 28304 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 28304 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.