Zip Code 28104
Matthews, North Carolina — Union County
📍 ZIP code 28104 is in Matthews, Union County, North Carolina.
ZIP code 28104 is located in Matthews, Union County, North Carolina. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 36,232. The area code for ZIP code 28104 is 704.
Quick Answer
Zip code 28104 is in Matthews, North Carolina (Union County). It has a population of 36,232, median household income of $129,775, and median home value of $482,200.
Population
36,232
Income
$129,775
Home Value
$482,200
Climate
91°F / 32°F
About Zip Code 28104
Zip code 28104 is located in Matthews, North Carolina, within Union County. Home to approximately 36,232 residents, this area sits at an elevation of 654 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 704.
The median household income is $129,775 per year, which is above the national median of $70,784. Homes in this zip code have a median value of $482,200, and the cost of living index is 162 (62% above the national average of 100).
Summers average a high of 91°F while winters drop to 32°F. The area receives about 38 in of rain and 8 in of snow annually. The zip code covers 29.2 square miles of land area and 0.3 square miles of water.
Key Statistics
36,232
$129,775
$482,200
Eastern (EST/EDT)
704
654 ft
29.2 sq mi
40.8
12,751
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Compare With Nearby Zip Codes
| Metric | 28104 | 28105 | 28270 | 28079 | 28277 | 28226 |
|---|---|---|---|---|---|---|
| City | Matthews, NC | Matthews, NC | Matthews, NC | Indian Trail, NC | Charlotte, NC | Charlotte, NC |
| Population | 36,232 | 45,922 | 32,913 | 40,820 | 72,375 | 38,985 |
| Median Income | $129,775 | $104,242 | $128,660 | $97,602 | $122,223 | $113,203 |
| Home Value | $482,200 | $389,100 | $543,600 | $352,000 | $507,600 | $560,100 |
| Cost of Living | 162 | 130 | 168 | 117 | 161 | 171 |
| Median Age | 40.8 | 39.1 | 39.8 | 37.5 | 39.8 | 40.9 |
Cost of Living
100 = National Average. Matthews's cost of living is 62% above the national average.
vs. State Avg
Above
Affordability
Expensive
Income-to-Home
3.7x
Demographics
Zip code 28104 has a population of 36,232 people with a median age of 40.8. There are 12,751 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Matthews (28104) population trend from 2010 to 2024
↑ 392.3%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
91°F
32°F
38 in
8 in
Matthews experiences hot summers with average highs around 91°F. Winters are cool with lows averaging 32°F. The area receives about 8 in of snow per year.
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Housing & Economy
Median Home Value
$482,200
Median Household Income
$129,775
With 12,751 housing units across 29.2 square miles, 28104 has a housing density of 437 units per square mile. The home price-to-income ratio is 3.7x.
Location & Geography
Latitude
35.0606°
Longitude
-80.6928°
Land Area
29.2 sq mi
Water Area
0.3 sq mi
Nearby Zip Codes
Zip codes closest to 28104 (Matthews, NC) with distances:
All Zip Codes in Matthews, NC
Other zip codes serving Matthews:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 28104's $129,775. A way to compare Matthews to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 28104 (Matthews, NC). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Matthews, North Carolina?
Matthews, North Carolina uses zip code 28104 along with 2 other zip codes.
What county is zip code 28104 in?
Zip code 28104 is located in Union County, North Carolina.
What is the population of zip code 28104?
The population of zip code 28104 is 36,232 with a median age of 40.8.
Is 28104 in Matthews, North Carolina?
Yes, zip code 28104 is in Matthews, Union County, North Carolina. The area code is 704.
Frequently Asked Questions
What city is zip code 28104 in?
Zip code 28104 is in Matthews, North Carolina. It is part of Union County and uses the Eastern (EST/EDT) timezone.
What is zip code 28104?
Zip code 28104 is a U.S. postal code in Matthews, North Carolina (Union County). It has a population of 36,232 and covers 29.2 square miles.
What is the population of zip code 28104?
The population of zip code 28104 (Matthews, NC) is 36,232 with a median age of 40.8. There are approximately 12,751 housing units in this area.
What is the median income in zip code 28104?
The median household income in zip code 28104 (Matthews, NC) is $129,775 per year. The cost of living index is 162 (100 = national average).
What is the average home price in zip code 28104?
The median home value in zip code 28104 (Matthews, NC) is $482,200. The cost of living index is 162 compared to the national average of 100.
What county is zip code 28104 in?
Zip code 28104 is located in Union County, North Carolina. The primary city is Matthews.
What is the area code for zip code 28104?
Zip code 28104 in Matthews, NC uses area code 704. It is located in the Eastern (EST/EDT) timezone.
Is zip code 28104 a good place to live?
Zip code 28104 (Matthews, NC) has a cost of living index of 162 (100 = national average), a median household income of $129,775, and median home values of $482,200. The median age is 40.8. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 28104?
The cost of living index for zip code 28104 (Matthews, NC) is 162, where 100 represents the national average. This area is above the national average. Median home value: $482,200.
What schools serve zip code 28104?
Zip code 28104 in Matthews, North Carolina is served by the local school district of Union County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.