ZIP Code 27857 — Oak City town, NC Demographics & Data

ZIP code 27857 covers Oak City, NC in Martin County with a population of about 1,211.

At a glance, the area shows median age of 56.5 versus a U.S. median of about 38.9.

It sits in telephone area code 252; U.S. House district NC-1; the GREENVILLE - N. BERN - WASHNGTN media market.

Oak City, NC fits a retirement-oriented profile (high share of residents 65+ (35.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 27857 is about $60,158 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 0.7%; 7.9% of adults with a bachelor’s degree or higher (about 25.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Transportation; about 4.0% of workers reporting work-from-home (about 11.2 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 $84,700 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $299 (about 74% below the U.S. median rent ($1,163)), and owner-occupancy near 59.1% (about 6.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 27857 in Oak City, NC, a household would need roughly $23,000 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 $544. That sits below the local median household income ($60,158), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Oak City town, NC as Relatively Low (composite score 65.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (92.4) and flood (55.0). 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 Oak City town, NC show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 50 for ZIP 27857 (Oak City 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.