ZIP Code 27520 — Clayton town, NC Demographics & Data

ZIP code 27520 covers Clayton, NC in Johnston County with a population of about 48,662.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area codes 919, 984; U.S. House district NC-13; the RALEIGH - DURHAM (FAYETVLLE) media market.

Median household income in ZIP 27520 is about $84,545 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 3.6%; 29.0% of adults with a bachelor’s degree or higher (about 4.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 14.0% of workers reporting work-from-home (about 1.2 points below 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 $282,200 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,231 (about 6% above the U.S. median rent ($1,163)), and owner-occupancy near 76.3% (about 10.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 27520 in Clayton, NC, a household would need roughly $78,000 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 $1,813. That is roughly in line with the local median household income ($84,545). 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 Clayton town, NC as Relatively Moderate (composite score 85.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.1) and hurricane (86.3). 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 Clayton town, NC show little to no average snow and around 52.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,020 for ZIP 27520 (Clayton town, NC) 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.