| ZIP Code | 28040 |
|---|---|
| City | Ellenboro |
| State | North Carolina (NC) |
| County | Rutherford County |
| Area Code | 704/828/980 |
| Elevation | 1,032 ft |
| Latitude | 35.389977 |
|---|---|
| Longitude | -81.752184 |
| Timezone | New York (DST) |
| FIPS | 37161 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 44.6 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.40 |
| Below Poverty | 11.7% ▲ 17% above avg |
| College Grads | 37.3% ≈ Avg |
| Unemployment | 7.4% ▲ 52% above avg |
| No HS Diploma | 3 (0.1%) |
| HS Graduate | 1,441 (32.2%) |
| Some College | 429 (9.6%) |
| Associates | 932 (20.8%) |
| Bachelors | 765 (17.1%) |
| Graduate Degree | 901 (20.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $57,989 ▼ 24% below avg ↑ 40% since 2019 |
|---|---|
| Median Home Value | $148,000 ▼ 47% below avg ↑ 51% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $697/mo |
| Total Units | 3,396 |
| Vacant Units | 474 |
| Avg HH Size | 2.40 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,396 |
|---|---|
| Vacant | 474 |
| Owner Occupied | 85.3% |
| Renter Occupied | 14.7% |
| Avg HH Size | 2.40 |
ZIP code 28040 is located in Ellenboro, North Carolina, within Rutherford County. With a population of 7,047, this is a lightly populated ZIP code with a middle-aged community — the median age is 44.6 years. Economically, 28040 is a solidly middle-class ZIP code: the median household income of $57,989 is below the national average.
Real estate in ZIP code 28040 represents one of the more affordable housing markets in the country. The median home value of $148,000 is below the national average. Renters can expect to pay around $697 per month in median rent. Homeownership is strong here — 85.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 51% since 2019.
The population of 28040 is primarily White (86.48%). Residents are moderately educated — 37.3% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 11.7%. Household income has grown by 40% since 2019.
The unemployment rate in 28040 stands at 7.4%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 84%.
Overall, ZIP code 28040 in Ellenboro, NC is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 7,047 residents, a median household income of $57,989, and a median home value of $148,000, it offers a clear picture of life in this part of North Carolina.