ZIP Code 28338 — Ellerbe town, NC Demographics & Data

ZIP code 28338 covers Ellerbe, NC in Richmond County with a population of about 3,320.

At a glance, the area shows median age of 47.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 472, 910; U.S. House district NC-8; the CHARLOTTE media market.

Median household income in ZIP 28338 is about $58,666 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 10.1%; 24.3% of adults with a bachelor’s degree or higher (about 9.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Food services; about 0.9% of workers reporting work-from-home (about 14.3 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 $161,200 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $455 (about 61% below the U.S. median rent ($1,163)), and owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28338 in Ellerbe, NC, a household would need roughly $44,000 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 $1,036. That sits below the local median household income ($58,666), 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 Ellerbe town, NC as Relatively Low (composite score 60.8), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (86.0) and wildfire (79.9). 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 Ellerbe town, NC show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 138 for ZIP 28338 (Ellerbe 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.