Caldwell County · North Carolina
ZIP code 28645
- Population
- 46,237
- Median income
- $50,529
- Median home
- $157,800
- Sales tax
- 4.75%
ZCTA residents
Household, past 12 months
Owner-occupied value
North Carolina state rate
Quick answer
ZIP 28645 sits in Caldwell County, North Carolina and is home to 46,237 people. Median household income is $50,529, the median home is worth $157,800 and median gross rent is $726. 71.7% of households own their home, and purchases are taxed at 4.75% (North Carolina state rate).
- County
- Caldwell County
- State
- North Carolina (NC)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 37027
853 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 28645
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 46,237ZIP 28645 residents
- Median household income
- $50,529Past 12 months, inflation adjusted
- Median home value
- $157,800Owner-occupied units
- Median gross rent
- $726Rent plus utilities, monthly
- Median age
- 46.5 yrsAll residents
- Homeownership rate
- 71.7%Owner-occupied households
Sales tax in 28645
What a purchase inside this ZIP costs at checkout.
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.
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 28645 compares
ZIP 28645 against the median ZIP in Caldwell County and across North Carolina.
| Measure | ZIP 28645 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $50,529 | $58,914 | $62,646 | -19% |
| Median home value | $157,800 | $166,300 | $203,100 | -22% |
| Median gross rent | $726 | $729 | $941 | -23% |
| Population | 46,237 | 11,629 | 5,300 | +772% |
Medians are computed across the 5 ZIP areas in Caldwell County and the 853 ZIP areas in North Carolina.
Statewide rank
Where this ZIP places among all 853 North Carolina ZIP areas.
- Income
- #591
- Home value
- #540
- Population
- #46
richer than 23% of 766 state ZIPs
above 29% of 763 state ZIPs
larger than 95% of 853 state ZIPs
Comparable ZIP codes
North Carolina ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Caldwell County.
ZIP 28645 questions
Common questions about this ZIP code.
- Where is ZIP code 28645?
- ZIP 28645 lies mostly in Caldwell 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 28645?
- North Carolina charges 4.75% statewide, plus any county, city or district rate that applies locally.
- Is 28645 expensive to live in?
- Median rent runs $726 a month, about 17% of median household income, and the median home is worth $157,800 — -22% 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.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- North Carolina Department of Revenue — Sales tax rates and local add-ons
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.