ZIP Code 28510 — Minnesott Beach town, NC Demographics & Data

ZIP code 28510 covers Minnesott Beach, NC in Pamlico County with a population of about 1,452.

At a glance, the area shows median age of 57.8 versus a U.S. median of about 38.9.

It sits in telephone area code 252; U.S. House district NC-3; the GREENVILLE - N. BERN - WASHNGTN media market.

Minnesott Beach, NC reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.8%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 28510 is about $62,917 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.6%; unemployment rate near 9.8%; 29.6% of adults with a bachelor’s degree or higher (about 4.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Manufacturing; about 10.7% of workers reporting work-from-home (about 4.5 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 $261,300 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $634 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28510 in Minnesott Beach, NC, a household would need roughly $72,000 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 $1,679. That is roughly in line with the local median household income ($62,917). 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 Minnesott Beach town, NC as Relatively Low (composite score 72.4), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.7) and wildfire (78.0). 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 Minnesott Beach town, NC show little to no average snow and around 57.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 28510 (Minnesott Beach 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.