ZIP Code 28430 — Cerro Gordo town, NC Demographics & Data

ZIP code 28430 covers Cerro Gordo, NC in Columbus County with a population of about 1,678.

At a glance, the area shows median age of 43.8 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 28430 is about $66,786 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.1%; unemployment rate near 3.2%; 10.3% of adults with a bachelor’s degree or higher (about 23.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Arts and entertainment, and Education; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $121,000 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $344 (about 70% below the U.S. median rent ($1,163)), and owner-occupancy near 62.4% (about 3.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28430 in Cerro Gordo, NC, a household would need roughly $33,000 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 $777. That sits below the local median household income ($66,786), 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 Cerro Gordo town, NC as Relatively Moderate (composite score 86.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (96.7) and wildfire (77.7). 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 Cerro Gordo town, NC show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 70 for ZIP 28430 (Cerro Gordo 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.