Carolina Beach, NC · standard

ZIP Code 28428

New Hanover County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

6,033
453/sq mi
$93,241
Median income
$572,700
Median home value
50.3%
Bachelor's or higher

The verdict

Carolina Beach pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 24%
household income, US ZIPs
Top 10%
home value, US ZIPs
453
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28428 against every reporting US ZIP.

ZIP code 28428 is classified by USPS as a standard delivery area and covers roughly 13.3 square miles in Carolina Beach, New Hanover County, North Carolina. The area is home to 6,033 residents, producing a population density of 453 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 28428 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28428 sits at $93,241 (35% above the North Carolina average), while per-capita income is $65,291. The poverty rate stands at 6.1% and the unemployment rate at 7.6%. On housing, the median home value is $572,700 (121% above the state average) with median rent at $1,505 per month, and 83.9% of occupied units are owner-occupied, a direct signal of whether 28428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 50.3% of adults hold a bachelor's degree or higher, the median age is 53.2, and the average commute is 23 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing New Hanover County, so you can benchmark 28428 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 28428

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 28428.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 28428, Carolina Beach, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

6,033

Population

13.3

Area (sq mi)

453

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 28428?

53.2

Median Age

49.8%

Male

50.2%

Female

3.3%

Foreign-Born

White 91.6%
African American 0.0%
Asian 1.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.5%
Hispanic or Latino 6.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$93,241

Median Household Income

+35% vs state

$65,291

Per Capita Income

6.1%

Poverty Rate

7.6%

Unemployment Rate

22.5 min

Mean Commute Time

How ZIP 28428 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$93,241 Top 24% higher than 76% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 72.1%
Bachelor's Degree or Higher 50.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,596

Total Housing Units

3,246

Occupied Units

3,350

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 83.9%
Renter 16.1%

$572,700

Median Home Value

+121% vs state

$1,505

Median Rent

1988

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.7%

YoY Change (2024)

402

HPI Index (2000 = 100)

+302%

Total Change Since 2000

Home values in ZIP 28428 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +302% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.1% 235
2021 +15.7% 272
2022 +28.7% 350
2023 +6.5% 373
2024 +7.7% 402

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 339 business establishments in ZIP 28428, employing approximately 2,650 people with a combined annual payroll of $88,698,000.

339

Businesses

2,650

Employees

$88.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 78 23.0%
Construction 45 13.3%
Real estate and rental and leasing 44 13.0%
Retail trade 38 11.2%
Professional, scientific, and technical services 32 9.4%
Other services (except public administration) 25 7.4%
Health care and social assistance 19 5.6%
Administrative and support and waste management and remediation services 18 5.3%
Finance and insurance 11 3.2%
Manufacturing 8 2.4%
Wholesale trade 7 2.1%
Arts, entertainment, and recreation 7 2.1%
Educational services 3 0.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 28428 vs 28449 →

ZIP 28428 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 28428 ranks #4 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28428 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 28428 ranks #3 of 6 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
28449 Kure Beach, NC 1,692 4.1 mi
28412 Wilmington, NC 35,573 6.6 mi
28409 Wilmington, NC 31,296 8.4 mi
28479 Winnabow, NC 4,903 7.5 mi
28461 Southport, NC 16,126 8.9 mi

More ZIP Codes in New Hanover County

Frequently Asked Questions

What county is ZIP code 28428 in?
ZIP code 28428 (Carolina Beach) is located in New Hanover County, North Carolina. New Hanover County contains multiple ZIP codes, see the full list at /counties/new-hanover-nc.
What is the population of ZIP code 28428?
ZIP code 28428 in Carolina Beach, NC has a population of 6,033 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28428?
The median household income in ZIP 28428 is $93,241, which is 22% above the national average of $76,288.
What is the average home value in ZIP 28428?
The median home value in ZIP 28428 is $572,700, which is 106% above the national average of $278,155.
What is the demographic makeup of ZIP 28428?
The largest racial group in ZIP 28428 is White at 91.6%. Hispanic or Latino residents make up 6.1% of the population.
How many businesses are in ZIP code 28428?
ZIP code 28428 has 339 business establishments employing approximately 2,650 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28428?
The top industries by establishment count in ZIP 28428 are: Accommodation and food services (78), Construction (45), Real estate and rental and leasing (44). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 28428?
According to the FHFA House Price Index, home values in ZIP 28428 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 302%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 28428?
In ZIP code 28428, 72.1% of residents aged 25+ have a high school diploma or higher, and 50.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 28428?
The mean commute time for workers in ZIP code 28428 is 22.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 28428?
In ZIP code 28428, approximately 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28428?
The poverty rate in ZIP code 28428 is 6.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Carolina Beach, NC

Verify and explore additional data for this area using these official government sources.