ZIP Code Tabulation Area

28098

Lowell, NC · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
3,851
Median household income
$53,000
People below poverty
17.4%
Median home value
$201,500

Income

The median income of households in 28098 was $53,000. An estimated 4.1% of households had income below $10,000 a year and 7.3% had income of $200,000 or more.

Household Income in 28098 in 2020-2024

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Percent
Less than $10,000 4.1
$10,000 to $14,999 2.2
$15,000 to $24,999 12.3
$25,000 to $34,999 16.4
$35,000 to $49,999 9
$50,000 to $74,999 18.4
$75,000 to $99,999 9.3
$100,000 to $149,999 16.3
$150,000 to $199,999 4.7
$200,000 or more 7.3

Median Earnings for Full-Time Year-Round Workers by Sex in 28098 in 2020-2024

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Dollars
Male 66071
Female 42109

An estimated 65.8% of households received earnings. An estimated 23.1% of households received Social Security and an estimated 36 % of households received retirement income other than Social Security. The average income from Social Security was $25,437. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 28098 in 2020-2024

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Percent
Earnings 65.8
Social Security 23.1
Retirement income 36
Supplemental Security Income (SSI) 6.4
Cash public assistance income 1

Poverty and Participation in Government Programs

In 2020-2024, 17.4 % of people were in poverty. An estimated 22.5% of children under 18 were below the poverty level, compared with 12.6% of people 65 years old and over. An estimated 16.9% of people 18 to 64 years were below the poverty level.

Poverty Rates in 28098 in 2020-2024

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Percent
People in poverty 17.4
Children under 18 years below poverty 22.5
People 65 years old and over below poverty 12.6
People 18 to 64 years below poverty 16.9

In 2020-2024, 16.4 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 40.7% of households that received SNAP had children under 18, and 35.2% of households that received SNAP had one or more people 60 years and over. An estimated 51% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 28098 in 2020-2024, 95.1% had health insurance coverage and 4.9% did not have health insurance coverage. Private coverage was 66.4% and public coverage was 40%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 1.9%.


In 2020-2024, 28098 had a total population of 3,851 - 1,935 (50.2%) females and 1,916 (49.8%) males. The median age was 40.3 years. An estimated 21.6% of the population was under 18 years, 33% was 19 to 44 years, 27.9% was 45 to 64 years, and 16.9 % was 65 years and older.

Population by Age and Sex for 28098 in 2020-2024

Male Female
Under 5 70 84
5 to 9 76 4
10 to 14 71 230
15 to 19 229 93
20 to 24 106 107
25 to 29 155 114
30 to 34 114 191
35 to 39 112 162
40 to 44 80 131
45 to 49 95 122
50 to 54 103 127
55 to 59 88 139
60 to 64 342 57
65 to 69 60 115
70 to 74 146 142
75 to 79 61 99
80 to 84 8 18
85 and over 0 0

Hispanic Origin and Race

For people reporting one race alone, 72.3% were White; 13.2% were Black or African American; 17% were American Indian and Alaska Native; 0.5% were Asian; 4.3% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 11.6% reported Two or More Races. An estimated 11.7% of the people in 28098 were Hispanic or Latino. An estimated 70.8% of the people in 28098 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 1,768 households in 28098. The average household size was 2.18 people.

Married-couple households made up 43.7% of the households in 28098 while cohabiting couple households made up 5.4% of households. Female householders with no spouse or partner present were 27.5% of all households, while 23.4% of households had male householders with no spouse or partner present. Some households had one person, as 21.7% of households were male householders living alone, and 16% were female householders living alone, for a total of 37.7% of all households.

In 28098, 23% of all households had one or more people under the age of 18; 27% of all households had one or more people 65 years and over.

Types of Households in 28098 in 2020-2024

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Percent
Married-couple households 43.7
Cohabiting Couples 5.4
Male Householder
No spouse/partner present
23.4
Female Householder
No spouse/partner present
27.5

Marital Status

Among persons 15 and older, 43.4% of males and 50.7% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 33.5 21.8
Now married, except separated 43.4 50.7
Separated 0 4.5
Widowed 2 7.4
Divorced 21 15.7

Grandparents and Grandchildren

In 28098, 11 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 36.4% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 93.3% of the people living in 28098 were U.S. natives. 68.2% of the 28098 population were living in the state where they were born.

Approximately 6.7% of 28098 residents in 2020-2024 were foreign-born. 22% of foreign-born were naturalized U.S. citizens and an estimated 35.9 % entered the country before the year 2010.

Foreign-born residents of 28098 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 28098.

Region of Birth for the Foreign-Born Population in 28098 in 2020-2024

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Percent
Latin America 58.3
Asia 11.6
Europe 15.4
Africa 14.7
Northern America 0
Oceania 0

Language

Among people at least five years old living in 28098 in 2020-2024, 13.4 % spoke a language other than English at home. Spanish was spoken by 7.6% of people at least five years old; 4.2% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 28098 in 2020-2024

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Percent
Spanish 7.6
Other Indo-European languages 2.2
Asian and Pacific Islander languages 0.6
Other languages 3.1

Geographic Mobility

In 2020-2024, 93.9 % of the people at least one year old living in 28098 were living in the same house one year earlier.

Geographic Mobility of Residents of 28098 in 2020-2024

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Percent
Same house 93.9
Different house, same county 1.7
Different county, same state 2.1
Different state 2.4
Abroad 0

Education

In 2020-2024, 88.8 % of people 25 years and over had at least graduated from high school and 23.2% had a bachelor's degree or higher. An estimated 11.2% did not complete high school.

The total school enrollment in 28098 was 837 in 2020-2024. Nursery school enrollment was 30 and kindergarten through 12th grade enrollment was 682. College or graduate school enrollment was 125.

Educational Attainment of People in 28098 in 2020-2024

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Percent
Less than high school diploma 11.2
High school diploma or equivalency 25.2
Some college, no degree 32.1
Associate's degree 8.3
Bachelor's degree 15.5
Graduate or professional degree 7.7

Disability

In 28098, among the civilian noninstitutionalized population in 2020-2024, 16.8 % reported a disability. The likelihood of having a disability varied by age - from 2.8% of people under 18 years old, to 14.2% of people 18 to 64 years old, and to 44.5% of those 65 and over.


Employment Status and Type of Employer

In 28098, 59.8 % of the population 16 and over were employed; 39% were not currently in the labor force.

An estimated 84.7% of the people employed were private wage and salary workers; 7.2% were federal, state, or local government workers; and 8.1 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 1,621 84.7
Federal, state, or local government workers 138 7.2
Self-employed workers in own not incorporated business 155 8.1

Industries

In 2020-2024, the civilian employed population 16 years and older in 28098 worked in the following industries:

Percent by Industry in 28098 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.8
Construction 5.6
Manufacturing 10.3
Wholesale trade 5.4
Retail trade 12.2
Transportation and warehousing, and utilities 10.9
Information 0.4
Finance and insurance, and real estate and rental and leasing 2.5
Professional, scientific, and management, and administrative and waste management services 14.2
Educational services, and health care and social assistance 22.2
Arts, entertainment, and recreation, and accommodation, and food services 4.8
Other Services, except public administration 8.6
Public administration 2

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 28098 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 768 40.1
Service occupations 116 6.1
Sales and office occupations 580 30.3
Natural resources, construction, and maintenance occupations 164 8.6
Production, transportation, and material moving occupations 286 14.9

Commuting to Work

An estimated 69.1% of 28098 workers drove to work alone in 2020-2024, and 4.9% carpooled. Among those who commuted to work, it took them on average 21.9 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 28098 in 2020-2024

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Percent
Car, truck, van -- drove alone 69.1
Car, truck, van -- carpooled 4.9
Public transportation (excluding taxicab) 0
Walked 0.5
Other means 1.8
Worked from home 23.7

In 2020-2024, 28098 had a total of 1,887 housing units. Of these housing units, 90.4% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 5.7% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 3.9% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 28098 in 2020-2024

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Percent
Single-family houses 90.4
Apartments in multi-unit structures 5.7
Mobile homes 3.9
Boat, RV, van, etc 0

4.1% of the housing inventory was comprised of houses built since 2010, while 11.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 28098 was 5.7 rooms, and of these housing units 68.3% had three or more bedrooms.


In 2020-2024, 28098 had 1,768 housing units that were occupied or had people living in them, while the remaining 119 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 75.6% while renters occupied 24.4%. The average household size of owner-occupied houses was 1.97 and in renter-occupied houses it was 2.81.

1.9% of householders of these occupied houses had moved into their house since 2021, while 12.2% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 0.8% and another 14% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 28098:

House Heating Fuel Used in 28098 in 2020-2024

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Percent
Gas 60.2
Electricity 39.8
Fuel oil, kerosene, etc 0
All other fuels 0
No fuel used 0

In 2020-2024, the median property value for owner-occupied houses in 28098 was $201,500.

Of the owner-occupied households, 71.3 % had a mortgage. 28.7% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,182 and for owners without a mortgage it was $526.

For renter-occupied houses, the median gross rent for 28098 was $1,603. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.