ZIP Code 02812 — Carolina CDP, RI Demographics & Data

ZIP code 02812 covers Carolina, RI in Washington County with a population of about 1,432.

At a glance, the area shows median age of 36.2 versus a U.S. median of about 38.9.

It sits in telephone area code 401; U.S. House district RI-2; the PROVIDENCE - NEW BEDFORD media market.

Median household income in ZIP 02812 is about $111,711 — about 49% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.6%; unemployment rate near 3.1%; 49.9% of adults with a bachelor’s degree or higher (about 16.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Education, and Arts and entertainment; about 15.7% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $474,600 — about 36% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.8% (about 30.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02812 in Carolina, RI, a household would need roughly $131,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,049. That is about 17% above the local median household income ($111,711), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Carolina CDP, RI as Relatively Low (composite score 64.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (82.2) and flood (75.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Carolina CDP, RI show little to no average snow and around 53.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 53 for ZIP 02812 (Carolina CDP, RI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.