The story of this market
The typical home in ZIP 28104 sells for about $656,556, or $222 per square foot.
Prices are up +3.4% from a year ago, so sellers still have some momentum. Homes take about 49 days to sell. HUD's fair market rent for a two-bedroom is $2,250 a month.
ZIP 28104 — Matthews
The 28104 housing market remains competitive with steady price appreciation and high demand for single-family homes. Low inventory levels continue to support price growth, though the pace has moderated compared to previous years. Buyers are primarily driven by the area's strong school system and suburban lifestyle.
This ZIP is ideal for family buyers seeking high-quality schools and suburban space, as well as professionals commuting to the Charlotte metro area.
Median prices moved up 3.4% year over year.
Homes spend a median of 49 days on market with 3.2 months of supply — a fast-moving market.
28% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 4.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 28104, Union County NC
Crime rates in the 28104 area remain relatively low compared to the broader Charlotte metropolitan region, with property crime being the primary concern.
The area is served by highly-rated public schools within the Union County Public Schools system, which is a primary driver for family relocation to the ZIP.
The region faces moderate risks from severe thunderstorms and occasional high winds, with standard flood insurance requirements for properties located in designated floodplains.
The area is experiencing significant suburban expansion with ongoing residential development and proximity to major employment hubs in Matthews and Charlotte.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (North Carolina) — Tax Lien Attachment: A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created. State (North Carolina) — Ad Valorem Property Tax: Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate.
Residents primarily commute by car to the Charlotte employment core, with travel times typically ranging from 30 to 45 minutes depending on traffic conditions.
The area features access to local parks, greenways, and proximity to golf courses, with significant retail and dining options concentrated along the Highway 74 corridor.
The rental market is characterized by low vacancy rates and steady rent growth, driven by high demand from families and professionals moving to the area.
The local economy is supported by a mix of retail, healthcare, and professional services, with many residents employed in the broader Charlotte financial and tech sectors.
Transportation is heavily reliant on private vehicles, with major access provided by US-74 and I-485.
Development is focused on master-planned residential communities and the expansion of commercial infrastructure along major arterial roads.
Union County Tax Assessor conducts periodic revaluations to ensure property assessments align with market values.
Parcels are subject to Union County property taxes and may fall within specific fire and utility service districts.
Property insurance premiums are stable but reflect regional exposure to severe weather events common in the Piedmont region.
Data retrieved from US Census Bureau ZCTA-level tables.
- Carowinds4.413.6 mi
- Activate Games4.96.6 mi
- Ray’s Splash Planet4.415.5 mi
- Victory Lane Indoor Karting4.517.3 mi
- Big Air Trampoline Park4.56.9 mi
- Bank of America Stadium4.614.9 mi
- Spectrum Center4.514.4 mi
- Truliant Amphitheater4.419.5 mi
- NASCAR Hall of Fame4.714.3 mi
- Charlotte Convention Center4.514.5 mi
- Regal Stonecrest at Piper Glen4.46.3 mi
- Freedom Park4.812.6 mi
- AMC Carolina Pavilion 224.110.3 mi
- Hindu Center of Charlotte4.79.5 mi
- Cinemark Bistro Charlotte4.46.8 mi
- Optimist Hall4.714.7 mi
- NASCAR Hall of Fame4.714.3 mi
- Discovery Place Science4.514.7 mi
- Museum of Illusions Charlotte4.514.6 mi
- Billy Graham Library4.915.1 mi
- Freedom Park4.812.6 mi
- McAlpine Creek Park4.77.5 mi
- Park Road Park4.610.8 mi
- Colonel Francis J. Beatty Park4.72.1 mi
- Elon Homes Park4.67.6 mi
- Charles T Myers Golf Course3.812.3 mi
- Stonebridge Golf Club4.48.6 mi
- Springfield Golf Club4.411.4 mi
- The Divide Golf Club3.27.2 mi
- Emerald Lake Golf Club3.98.6 mi
- SouthPark4.510 mi
- Carolina Place4.49.7 mi
- Super G Mart Charlotte4.48.3 mi
- Nordstrom4.410.1 mi
- The Bowl at Ballantyne4.67.7 mi
- Charlotte Douglas International Airport3.918.2 mi
- Concord-Padgett Regional Airport4.423.2 mi
- The Club CLT3.318.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Features sports fields and walking trails.
Major retail and dining hub for the area.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.