ZIP Code 28512 — Atlantic Beach town, NC Demographics & Data

ZIP code 28512 covers Atlantic Beach, NC in Carteret County with a population of about 3,452.

At a glance, the area shows median age of 61.7 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.

Atlantic Beach, NC matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 28512 is about $80,375 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 3.5%; 56.2% of adults with a bachelor’s degree or higher (about 22.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 21.2% of workers reporting work-from-home (about 6.0 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 $529,400 — about 52% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $921 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 79.9% (about 14.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28512 in Atlantic Beach, NC, a household would need roughly $146,000 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 $3,401. That is about 82% above the local median household income ($80,375), so the median earner would likely stretch or need a larger down payment. 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 Atlantic Beach town, NC as Relatively Moderate (composite score 93.5), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.7) and wildfire (88.6). 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 Atlantic Beach town, NC show little to no average snow and around 59.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 143 for ZIP 28512 (Atlantic 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.