ZIP Code 28581 — undefined, NC Demographics & Data

ZIP code 28581 covers NC in Carteret County with a population of about 132.

At a glance, the area shows median age of 51.9 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.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 23.6% of adults with a bachelor’s degree or higher (about 10.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Transportation; about 9.0% of workers reporting work-from-home (about 6.2 points below the U.S. share (15.2%)); a mean commute of about 71.0 minutes (U.S. average near 26.8).

Median home value is about $172,500 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28581 in NC, a household would need roughly $47,000 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 $1,108. 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 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 NC show little to no average snow and around 59.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 28581 (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.