Charlotte, North Carolina
Median household income for all 22 zip codes in Charlotte, plus who lives here, what rent costs, and how Charlotte compares with North Carolina and the rest of the country.
Median household income
$82,068
2% above the U.S.
Median rent
$1,612/mo
U.S. $1,413
Median age
34.5
U.S. 38.9
Zip codes
22
Inside city limits
Source: U.S. Census Bureau, American Community Survey 2020 to 2024
Median household income
$82,068
North Carolina $72,388 · U.S. $80,734
Average household income
$123,732
Pulled up by the highest earners
Per capita income
$51,814
Income per resident, all ages
Full-time worker earnings
$62,629
Median for year-round, full-time workers
Median rent
$1,612/mo
Rent plus utilities paid by renters
Median home value
$385,700
Owner-occupied homes
Overview
The median household income in Charlotte is $82,068, 13% above the North Carolina median of $72,388 and 2% above the U.S. median of $80,734. The average household earns $123,732, higher than the median because a smaller number of very high earners pull the average up. 41% of households earn $100,000 or more (41% nationwide), and 15% earn $200,000 or more.
Income varies a lot from one part of Charlotte to another. The highest-income zip code, 28207, has a median of $217,204, while 28212 has a median of $52,723, a gap of about 4.1 to 1. Of the 22 zip codes with at least 1,000 residents, 12 have a median above the citywide figure and 14 are above the North Carolina median.
Median household income by zip code
Every Charlotte zip code with at least 1,000 residents, highest to lowest.
Income spread
Share of households by income
Charlotte compared with the United States.
A household in Charlotte needs about $168,564 a year to be in the top 20% of earners, and more than $250,000 to reach the top 5%. The middle 60% of households, a common way to define the middle class, earns roughly $37,128 to $168,564.
For more on how these cutoffs work nationally, see what income is middle class in America.
People
Charlotte has a median age of 34.5 (U.S. 38.9). 48% of adults 25 and older hold a bachelor's degree or higher, 12 points higher than the national rate of 36%. 49% of households rent their home, and 12% of residents live below the poverty line, compared with 12% nationwide.
Median age
34.5
U.S. 38.9
Bachelor's or higher
48%
Adults 25+ · U.S. 36%
Household size
2.41
People per household · U.S. 2.53
Poverty rate
12%
U.S. 12%
Unemployment
5%
Labor force · U.S. 5%
Work from home
29%
Workers 16+ · U.S. 15%
Average commute
25 min
One way · U.S. 26 min
Seniors (65+)
11%
Under 18: 23%
Race and ethnicity
Share of residents. Hispanic or Latino residents can be of any race; other groups are non-Hispanic.
Diversity score
The chance that two randomly chosen residents are from different racial or ethnic groups.
Charlotte is more diverse than the country overall. The largest groups are White (38%) and Black (33%) residents. The most diverse zip code is 28273 (73%).
Own vs. rent
Occupied homes in Charlotte.
Age mix
Share of residents by age.
Every zip code
| 28202 | $105,889 | 54% | $1,933 | $443,500 | 30.5 | 64% | 71% | 66% | 9,980 |
| 28203 | $104,696 | 53% | $1,921 | $707,800 | 28.7 | 81% | 71% | 38% | 11,038 |
| 28204 | $92,054 | 43% | $1,735 | $585,200 | 31.0 | 78% | 72% | 53% | 5,582 |
| 28205 | $75,622 | 39% | $1,460 | $457,200 | 34.2 | 48% | 57% | 69% | 23,357 |
| 28206 | $61,818 | 24% | $1,400 | $298,600 | 33.1 | 34% | 67% | 57% | 7,126 |
| 28207 | $217,204 | 67% | $1,664 | $1,409,300 | 46.9 | 87% | 16% | 18% | 4,129 |
| 28208 | $55,431 | 26% | $1,244 | $236,300 | 34.0 | 27% | 61% | 59% | 16,548 |
| 28209 | $101,873 | 52% | $1,710 | $623,000 | 33.7 | 71% | 52% | 42% | 12,793 |
| 28210 | $100,824 | 50% | $1,554 | $531,700 | 36.9 | 60% | 44% | 57% | 20,684 |
| 28211 | $132,917 | 61% | $1,767 | $774,900 | 38.4 | 68% | 46% | 48% | 13,602 |
| 28212 | $52,723 | 20% | $1,362 | $266,900 | 32.3 | 23% | 62% | 71% | 15,649 |
| 28213 | $58,146 | 29% | $1,444 | $282,900 | 32.5 | 34% | 56% | 68% | 18,636 |
| 28214 | $86,447 | 42% | $1,696 | $295,800 | 35.4 | 37% | 24% | 70% | 15,121 |
| 28215 | $71,162 | 31% | $1,449 | $315,000 | 34.9 | 32% | 33% | 66% | 24,260 |
| 28216 | $65,795 | 27% | $1,560 | $287,000 | 34.7 | 33% | 49% | 60% | 23,858 |
| 28217 | $64,028 | 29% | $1,594 | $263,300 | 31.2 | 38% | 70% | 71% | 12,952 |
| 28226 | $118,606 | 58% | $1,622 | $617,600 | 40.6 | 65% | 32% | 48% | 15,651 |
| 28262 | $69,231 | 28% | $1,569 | $346,600 | 29.5 | 46% | 72% | 67% | 22,529 |
| 28269 | $81,517 | 38% | $1,710 | $341,700 | 35.9 | 46% | 39% | 64% | 31,766 |
| 28270 | $131,667 | 61% | $1,763 | $589,500 | 40.0 | 68% | 23% | 54% | 12,148 |
| 28273 | $87,350 | 42% | $1,729 | $340,600 | 33.3 | 38% | 50% | 73% | 18,996 |
| 28277 | $128,627 | 62% | $1,882 | $560,600 | 39.8 | 68% | 39% | 61% | 28,944 |
Tap any column header to sort. Click a zip code for its full income breakdown. Diversity is the chance two random residents are from different racial or ethnic groups. Zip codes are Census ZIP Code Tabulation Areas with most of their land inside Charlotte city limits; some extend past the city line. Estimates for small zip codes have larger margins of error.
Want the full picture for one zip?
See the income spread and six-figure households for any U.S. zip code.
Rankings
The 6 Charlotte zip codes with the highest median household income, among zip codes with at least 1,000 residents.
Housing
A year of median rent as a share of median household income
24% in Charlotte. Rent at or under 30% of income is the common affordability guideline.
The median rent in Charlotte is $1,612 a month, including utilities the renter pays. A year of that rent equals about 24% of the city's median household income. Under the 30% rule, a household needs about $64,480 a year to comfortably afford the median rent. Among zip codes with at least 1,000 residents, 28202 has the highest median rent at $1,933, and 28208 has the lowest at $1,244. See how this compares with other states in our rent affordability guide.
The median value of an owner-occupied home in Charlotte is $385,700, about 4.7 times the median household income. The highest median home value is in 28207 ($1,409,300), and the lowest is in 28208 ($236,300).
FAQ
The median household income in Charlotte, North Carolina is $82,068, according to the U.S. Census Bureau's 2020 to 2024 American Community Survey. That is 2% above the U.S. median of $80,734.
Among zip codes with at least 1,000 residents, 28207 has the highest median household income in Charlotte at $217,204. 67% of its households earn $100,000 or more.
A household needs about $168,564 a year to be in the top 20% of earners in Charlotte, and more than $250,000 to reach the top 5%.
With a median rent of $1,612 a month, a household needs about $64,480 a year to keep rent at 30% of income, the common affordability guideline.
Charlotte has a diversity score of 71%, meaning there is a 71% chance that two randomly chosen residents are from different racial or ethnic groups. The U.S. score is 61%.
The median age in Charlotte is 34.5, compared with 38.9 for the U.S. as a whole.
41% of households in Charlotte earn $100,000 or more a year, compared with 41% of households nationwide.
Other cities
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020 to 2024 (tables B19013, B19001, B19025, B19080, B19301, B25064, B25077, S2001, B01001, B01002, B03002, B15003, B25003, B25010, B17001, B23025, B08301, B08013 and B08303). Income is in 2024 dollars. City figures cover the area within Charlotte city limits.