ZIP Code 28528 — Gloucester CDP, NC Demographics & Data

ZIP code 28528 covers Gloucester, NC in Carteret County with a population of about 607.

At a glance, the area shows median age of 50.8 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.

Median household income in ZIP 28528 is about $71,292 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.0%; unemployment rate near 5.0%; 29.1% of adults with a bachelor’s degree or higher (about 4.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Agriculture, and Finance and insurance; about 13.8% of workers reporting work-from-home (about 1.4 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 $247,300 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.0% (about 20.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28528 in Gloucester, NC, a household would need roughly $68,000 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 $1,589. That is roughly in line with the local median household income ($71,292). 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 Gloucester CDP, 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 Gloucester CDP, NC show little to no average snow and around 55.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 28528 (Gloucester CDP, 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.