ZIP Code · NC

ZIP 28105

Part of Matthews, NC

Pop. 46,817·Mecklenburg County·110th most expensive ZIP in North Carolina

Median rent (all units)

$1,674/mo

Year-over-Year

-0.1%

Month-over-Month

Stable

vs US Median

-$258

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 28105 · $1,674

More affordable than 60% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,640

1 BR

$1,720

2 BR

$1,880

3 BR

$2,320

4 BR+

$2,940

Research median

$1,880/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

February. Asking rents in ZIP 28105 usually run 0.8% below trend in February and 0.9% above it in September, about $28 a month apart at today's median. Based on 9 years of data.

Compared with the peak

Rent in ZIP 28105 is 2.3% below its high of $1,714 in April 2025, at $1,674 as of September 2026.

Past year vs. the rest of North Carolina

Rent in ZIP 28105 changed -0.1% over the year to September 2026. Across the 190 North Carolina ZIP codes Zillow tracks, the typical change was +2.6%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 28105 rose 32.7% while median household income rose 37.6% ($78,620 to $108,190). Income kept ahead of rent.

Since before the pandemic

Rent in ZIP 28105 is 27.5% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($108,190) is $2,705 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,320); a 4-bedroom is $2,940.

Cheaper nearby

ZIP 28212, 5 miles away, rents for 20% less ($1,340/mo), about $4,000 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 28105. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,088/yr

At $1,674/mo median

Location

CityMatthews

StateNC

CountyMecklenburg County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (-0.1% YoY, +0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 28105 (Matthews, NC) is majority owner-occupied, has a median income above the national average, 53.5% of residents hold a bachelor's degree or higher.

Population

46,817

Median income

$108,190

Median age

39.2

Renters

32.4%

Age distribution

23.1%

20.8%

26.2%

12.2%

17.9%

Under 1823.1%

18–3420.8%

35–5426.2%

55–6412.2%

65+17.9%

Gender

49%

51%

Male49%

Female51%

Race & ethnicity

65.3%

13.3%

White65.3%

Black13.3%

Hispanic9%

Asian9.7%

Other2.7%

Education (25+)

17.5%

23.4%

53.5%

No HS diploma5.6%

HS diploma17.5%

Some college23.4%

Bachelor's+53.5%

Housing tenure

67.6%

32.4%

Owner67.6%

Renter32.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 28105 in Matthews, NC has changed in 5 years

Rent

$1,419 → $1,674

up 18.0%

Income

$92,479 → $108,190

up 17.0%

Population

44,377 → 46,817

up 5.5%

Renter share

30.5% → 32.4%

+1.9 pts

Bachelor's+

52.7% → 53.5%

+0.8 pts

Since 2021, the typical rent in ZIP 28105 in Matthews, NC has increased from $1,419 to $1,674, a 18.0% change over five years. Census figures show median household income at $108,190 today, compared with $92,479 five years earlier. The population has grown by 5.5% since 2021, moving from about 44,377 residents to roughly 46,817. Renters now make up 32.4% of households, compared with 30.5% five years ago. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

Community

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Local insights

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About renting in ZIP 28105

Last updated: October 17, 2026

ZIP code 28105 covers Matthews, NC. The median rent here is $1,674/mo as of October 2026. A 1-bedroom rents for a median of $1,720/mo. A 2-bedroom rents for a median of $1,880/mo.

At 19% of local median household income ($108,190/yr), ZIP 28105 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 28105?

To keep rent at or below 30% of gross income, you would need to earn at least $67,000/year (about $32/hour full-time) to afford the median rent of $1,674/mo in ZIP 28105. The local median household income is $108,190/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 28105?

Rent in ZIP 28105 has been roughly flat over the past year as of September 2026, a -0.1% change. It sits 2.3% below its high of $1,714 in April 2025.

When is the cheapest time to rent in ZIP 28105?

Asking rents in ZIP 28105 are usually lowest in February, about 0.8% below their yearly trend, and highest in September, about 0.9% above it. At today's median that is a gap of roughly $28 a month. This pattern comes from 9 years of Zillow rent data.

Has rent outpaced income in ZIP 28105?

No. From 2019 to 2024, rent in ZIP 28105 rose 32.7% while median household income rose 37.6%, from $78,620 to $108,190. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 28105 compare to other ZIPs in North Carolina?

ZIP 28105 is in the middle among North Carolina ZIP codes for rent, ranking #110 of 230 at $1,674/mo. Over the year to September 2026, rent in ZIP 28105 changed -0.1%, against a typical +2.6% across the 190 North Carolina ZIP codes Zillow tracks.