Population & age
- Total population
- 78,540
- Median age
- 35.9
Mecklenburg County · Charlotte-Concord-Gastonia, NC-SC · Population 78,540
Charlotte, NC (ZIP 28269) sits in Mecklenburg County within the Charlotte-Concord-Gastonia metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Annual Checkup comes in below the national average at 79.4%. NCES lists 13 schools serving the area, 13 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $20,785. IRS data shows average household income (AGI) of $67,815, well above the ~$45K national average per return. BLS QCEW puts average annual pay at $88,111 per worker — about 35% above the US average and a clear high-wage signal. Bank of America, National Association holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. The CDC SVI flags racial & ethnic minority (80th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 44th-percentile score. The most recent FEMA disaster declaration here was winter storm-related (SEVERE WINTER STORM, 2026). Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. North Carolina levies a flat state income tax (top rate 4.25%); a household at the local median AGI of $67,815 would pay roughly $1,729/year before deductions. New residents arriving here predominantly come from Cabarrus County, NC (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $76,560, fair market rent of $1,990 for a two-bedroom, and a typical home value of $359,428, down 2.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,730
/month
1 Bed
$1,820
/month
2 Bed
$1,990
/month
3 Bed
$2,450
/month
4 Bed
$3,110
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$359,428
Zillow Home Value Index (ZHVI) · as of March 2026
-2.4%
vs. March 2025
+33.7%
vs. March 2021
Charlotte-Concord-Gastonia, NC-SC
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
14,454
Across 8,480 permitted buildings. Total construction value: $3.04B.
Single-family
8,264
57% of total units
Multifamily (2+ unit)
6,190
43% of total units
Single-family value
$2.18B
construction value
Multifamily value
$853.7M
construction value
Apartment construction (5+ unit buildings) accounts for 42% of new units this year — the area is densifying, not just adding single-family stock.
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
40,230
Average AGI
$67,815
Avg property tax
$233
EITC participation
18.2%
Income distribution
Avg mortgage interest
$609
Avg charitable contribution
$889
Avg capital gains
$1,361
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $2728.2M across all reported brackets.
Business establishments
1,606
Total employment
29,279
Annual payroll
$1.6B
Average annual pay
$55,884
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$88,111
Average weekly wage
$1,694
Total employment
788,436
Total establishments
53,030
That is roughly 35% above the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.7%
That is 0.3 percentage points below the US national unemployment rate of about 4.0%.
Labor force
655,802
Employed
631,808
Unemployed
23,994
Based on Mecklenburg County, NC data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
3
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$205.2M
across all branches in this ZIP
Distinct institutions
3
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Charlotte, NC--SC
Reporting agencies
11
Largest: Cabarrus County
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public EV charging stations
8
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
16
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
CNG
2
Compressed natural gas
Propane (LPG)
2
Propane autogas
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federally Declared Disasters
19
Date Range
1977–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3637)
Incident period: January 21, 2026 – January 27, 2026
Top Incident Types
Individual Assistance
2
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
18
Repair of public facilities & roads
Hazard Mitigation
6
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
61.4°F
50.6° – 72.2°
Annual precipitation
43.6"
Annual snowfall
3.5"
Heating · cooling days
3,058 · 1,768.7
Annual base 65°F
Nearest station: CHARLOTTE DOUGLAS AP, NC US, 11.6 miles from the centroid of Charlotte, NC (ZIP 28269)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
51
ModeratePeak AQI (2024)
156
Unhealthy
Primary pollutant
PM2.5
237 days as main pollutant
Days measured
366
Based on Mecklenburg County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
6,929
That is roughly 1,271 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
16%
of adults self-report
Poor physical health days
3.3
avg per adult per month
Poor mental health days
4.9
avg per adult per month
Uninsured
11.3%
of residents under 65
Primary care MDs
93
per 100,000 residents
Preventable hospital stays
2,343
per 100K Medicare enrollees
Food environment (0-10)
8.3
10 = best access & security
Exercise access
89%
residents near a facility
Flu vaccinated
54%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Mecklenburg data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Moderate food access challenges
21.3% of Mecklenburg County, NC residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.19
per 1,000 residents
Supercenters & clubs
0.02
per 1,000 residents
SNAP-authorized stores
0.64
accepting food benefits
Fast-food restaurants
0.83
per 1,000 residents
Among low-income residents, 5.5% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Mecklenburg County, NC for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 55 reports
Property crime rate
—
per 100K residents · 481 reports
Homicide
1
Robbery
9
Burglary
109
Vehicle theft
56
County-level data for Cabarrus (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Net migration (2022-2023)
▲+132 people
+4,064 households • −$7.8M net AGI flow
Moved in
47,713households
73,370 people • $3.9B AGI
Moved out
43,649households
73,238 people • $3.9B AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $80,943 versus departing households' $88,658.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 28269. Numbers reflect the most recent published year per source.
Income tax
4.25%
flat · 1 brackets
Sales tax (combined)
7.00%
State 4.75% · avg local 2.25%
Property tax (effective)
0.48%
Median $1,058/year
Tax burden rank
21 of 50
9.60% of personal income
For ZIP 28269: At this ZIP's median AGI of $67,815, the estimated state income tax (before deductions) runs about $1,729 per year. Applied to this ZIP's typical home value of $359,428, that works out to roughly $1,711/year in property tax.
Program
No program
No program
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs in Charlotte
Nearby ZIPs by distance
28262 (Charlotte, 3.7 mi) · 28223 (Charlotte, 4.5 mi) · 28216 (Charlotte, 5.2 mi) · 28213 (Charlotte, 5.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
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All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
31.6%
Tracks close to the 33.0% national rate.
31.9%
Tracks close to the 32.0% national rate.
21.7%
Tracks close to the 22.0% national rate.
79.4%
3.4pp above the 76.0% national rate.
10.0%
3.0pp below the 13.0% national rate.
10.3%
Tracks close to the 11.0% national rate.
13 schools serve this ZIP, including 13 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Mallard Creek High School | Public | 9–12 | 2,305 |
| Ridge Road Middle | Public | 6–8 | 1,225 |
| Corvian Community School | Public | 0–11 | 1,215 |
| Mallard Creek STEM Academy | Public | 0–8 | 951 |
| Ranson Middle | Public | 6–8 | 942 |
Showing top 5 by enrollment. 8 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
10
Median in-state tuition
$20,785
Median earnings (10 yr)
$43,089
Charlotte, NC · 28223
Charlotte, NC · 28204
Charlotte, NC · 28216
Charlotte, NC · 28274
Charlotte, NC · 28202
Charlotte, NC · 28217
Charlotte, NC · 28227
Charlotte, NC · 28217
Charlotte, NC · 28273
Charlotte, NC · 28204
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Charlotte, NC (ZIP 28269) sits in Mecklenburg County within the Charlotte-Concord-Gastonia metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Annual Checkup comes in below the national average at 79.4%. NCES lists 13 schools serving the area, 13 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $20,785. IRS data shows average household income (AGI) of $67,815, well above the ~$45K national average per return. BLS QCEW puts average annual pay at $88,111 per worker — about 35% above the US average and a clear high-wage signal. Bank of America, National Association holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. The CDC SVI flags racial & ethnic minority (80th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 44th-percentile score. The most recent FEMA disaster declaration here was winter storm-related (SEVERE WINTER STORM, 2026). Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. North Carolina levies a flat state income tax (top rate 4.25%); a household at the local median AGI of $67,815 would pay roughly $1,729/year before deductions. New residents arriving here predominantly come from Cabarrus County, NC (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $76,560, fair market rent of $1,990 for a two-bedroom, and a typical home value of $359,428, down 2.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 21.7%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
31.6%, which is 1.4 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
21.7%, which is 0.3 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
31.9%, which is 0.1 percentage points below the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
13 schools serve this ZIP, including 13 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 28269 by NCES CCD (retrieved Apr 27, 2026).
Yes, 3 high schools serve this ZIP: Mallard Creek High School, Corvian Community School, Pioneer Springs Community School. (NCES CCD, retrieved Apr 27, 2026).
78,540 people live in ZIP 28269, with a median age of 35.9 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$76,560 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 28269, 63.7% of occupied housing units are owner-occupied and 36.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 28269, 27.9% of workers work from home. Public transit is used by 0.6% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
8.1% of the population in ZIP 28269 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
94.8% of households in ZIP 28269 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 28269 is $359,428, down 2.4% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 2.4% over the past year and up 33.7% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 28269 (Charlotte, NC) is $67,815 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 28269 report an average of $233 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
4.5% of tax returns from ZIP 28269 (Charlotte, NC) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 1,606 business establishments operated in ZIP 28269 employing 29,279 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 28269 is $55,884, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 28269 ranks in the 44th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 28269, ranking in the 80th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 19 federal disaster declarations affecting ZIP 28269 between 1977–2026 (FEMA OpenFEMA Disaster Declarations, retrieved Jun 1, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 28269, accounting for 8 of 19 declarations (42%, FEMA OpenFEMA, retrieved Jun 1, 2026).
The most recent FEMA disaster declaration affecting ZIP 28269 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3637) (FEMA OpenFEMA, retrieved Jun 1, 2026).
10 colleges and universities are listed near ZIP 28269 by the U.S. Department of Education College Scorecard, including University Of North Carolina At Charlotte, Central Piedmont Community College, and Johnson C Smith University (retrieved May 2, 2026).
Median in-state tuition across 10 nearby institutions is $20,785 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $43,089 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 28269 has an average annual temperature of 61.4°F and 43.6" of annual precipitation based on the CHARLOTTE DOUGLAS AP, NC US weather station 11.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 28269 is part of the Charlotte, NC--SC urbanized area, primarily served by Cabarrus County (National Transit Database 2024, retrieved May 4, 2026).
North Carolina has a flat income tax with a top rate of 4.25%. Households at the local median AGI of $67,815 would pay roughly $1,729 in state income tax annually (estimated, before deductions). Combined sales tax: 7.00% (Tax Foundation 2025).
North Carolina has no state paid family leave program (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (13 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (10 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (19 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved Jun 1, 2026 from FEMA OpenFEMA (19 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs in Charlotte
Nearby ZIPs by distance
28262 (Charlotte, 3.7 mi) · 28223 (Charlotte, 4.5 mi) · 28216 (Charlotte, 5.2 mi) · 28213 (Charlotte, 5.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
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Have a specific question about ZIP 28269?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
44th percentile
Moderate Vulnerability
Based on 25 census tracts, population 80,649
Vulnerability Themes
Households Without Vehicle
1,101
Limited English Speakers
2,393
Persons with Disability
5,602
Without HS Diploma
3,872
Without Health Insurance
8,603
Adults Age 65+
7,670
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.