ZIP Code 28409 — Wilmington city, NC Demographics & Data

ZIP code 28409 covers Wilmington, NC in New Hanover County with a population of about 35,013.

At a glance, the area shows median age of 42.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 472, 910; U.S. House district NC-7; the WILMINGTON media market.

Median household income in ZIP 28409 is about $108,241 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.4%; unemployment rate near 2.7%; 51.3% of adults with a bachelor’s degree or higher (about 17.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 19.2% of workers reporting work-from-home (about 4.0 points above 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 $382,900 — about 10% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,198 (about 3% above the U.S. median rent ($1,163)), and owner-occupancy near 83.8% (about 18.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28409 in Wilmington, NC, a household would need roughly $105,000 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 $2,460. That is roughly in line with the local median household income ($108,241). 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 Wilmington city, NC as Relatively High (composite score 96.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.1) and flood (89.9). 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 Wilmington city, NC show little to no average snow and around 65.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,454 for ZIP 28409 (Wilmington city, 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.