ZIP Code 02865 — undefined, RI Demographics & Data

ZIP code 02865 covers RI in Providence County with a population of about 18,033.

At a glance, the area shows median age of 44.6 versus a U.S. median of about 38.9.

It sits in telephone area code 401; U.S. House district RI-1; the PROVIDENCE - NEW BEDFORD media market.

RI sits in a university / college context (near lincoln technical institute-lincoln (2.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 02865 is about $117,042 — about 56% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 5.5%; 48.3% of adults with a bachelor’s degree or higher (about 14.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 14.7% 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 $427,700 — about 23% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,049 (about 10% below the U.S. median rent ($1,163)), and owner-occupancy near 77.0% (about 11.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02865 in RI, a household would need roughly $118,000 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 $2,747. That is roughly in line with the local median household income ($117,042). 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 RI as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are flood (96.6) and hurricane (91.7). 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 RI show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 666 for ZIP 02865 (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.