Holly Ridge, NC · standard
ZIP Code 28445
Onslow County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,676
- 42/sq mi Moderate-density area
- $84,016
- Median income Above-median income area
- $386,100
- Median home value Above-median home value
- 45.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Holly Ridge pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 33%
- household income, US ZIPs
- Top 22%
- home value, US ZIPs
- 42
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28445 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28445 (Holly Ridge, NC) rose +11.8% from 2023 to 2024. The all-transactions index moved from 350.3 in 2023 to 391.8 in 2024 (2000 = 100).
ZIP code 28445 is a mid-sized community (a standard USPS delivery area) in Holly Ridge, Onslow County, North Carolina, home to 5,676 residents across 135.1 square miles, a density of 42 people per square mile, in the New York time zone.
ZIP 28445 lands in the middle-income range, with a median household income of $84,016 (21% above the average North Carolina ZIP), while per-capita income is $54,773. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.4% and unemployment is 0.8%. Housing is both higher-cost and owner-heavy: median home value is $386,100 (49% above the average North Carolina ZIP), while 83.1% of occupied homes are owner-occupied and median rent is $1,151.
A solid share of residents have a four-year degree: 45.6% of adults hold a bachelor's degree or higher, the median age is 41.2, and the average commute is 29 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Onslow County, so 28445 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 28445
Top 5 sectors by establishment count in Holly Ridge, NC
Which industries have the most business establishments in ZIP 28445.
- Accommodation and food services
Accommodation and food services
75 establishments
- Retail trade
Retail trade
52 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
49 establishments
- Construction
Construction
43 establishments
- Other services (except public administration)
Other services (except public administration)
32 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 28445, Holly Ridge, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
5,676
Population
135.1
Area (sq mi)
42
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28445?
41.2
Median Age
48.3%
Male
51.7%
Female
1.3%
Foreign-Born
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?
$84,016
Median Household Income
+21% vs state ZIP avg
$54,773
Per Capita Income
3.4%
Poverty Rate
0.8%
Unemployment Rate
28.5 min
Mean Commute Time
How ZIP 28445 ranks among North Carolina ZIPs
Holly Ridge, NC household income vs. every North Carolina ZIP code
Median household income among 749 reporting North Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$84,016 Top 19% higher than 81% of 749 North Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more North Carolina 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,146housing units
9,146
Total Housing Units
4,625
Occupied Units
4,521
Vacant Units
2.33
Avg Household Size
Occupancy Type
$386,100
Median Home Value
+49% vs state ZIP avg
$1,151
Median Rent
2002
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+11.8%
YoY Change (2024)
392
HPI Index (2000 = 100)
+292%
Total Change Since 2000
Home values in ZIP 28445 have increased 11.8% over the past year (2024). Since 2000, this ZIP has seen +292% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.4% | 229 |
| 2021 | +15.6% | 264 |
| 2022 | +28.3% | 339 |
| 2023 | +3.3% | 350 |
| 2024 | +11.8% | 392 |
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 379 business establishments in ZIP 28445, employing approximately 2,926 people with a combined annual payroll of $108,818,000.
379
Businesses
2,926
Employees
$108.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 75 | 19.8% |
| Retail trade | 52 | 13.7% |
| Real estate and rental and leasing | 49 | 12.9% |
| Construction | 43 | 11.3% |
| Other services (except public administration) | 32 | 8.4% |
| Administrative and support and waste management and remediation services | 26 | 6.9% |
| Health care and social assistance | 22 | 5.8% |
| Professional, scientific, and technical services | 19 | 5.0% |
| Finance and insurance | 13 | 3.4% |
| Manufacturing | 12 | 3.2% |
| Arts, entertainment, and recreation | 10 | 2.6% |
| Wholesale trade | 9 | 2.4% |
| Transportation and warehousing | 5 | 1.3% |
| Educational services | 5 | 1.3% |
| Information | 4 | 1.1% |
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 28445 vs 28460 →
ZIP 28445 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28443
Hampstead (28443)
17,512 residents
- 28460
Sneads Ferry (28460)
7,652 residents
- 28445 5,676
Holly Ridge (28445)
5,676 residents
What this shows Among its immediate neighbors, ZIP 28445 ranks #3 by population - useful context the national average alone can't give.
ZIP 28445 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28443
Hampstead (28443)
$90,477 median income
- 28460
Sneads Ferry (28460)
$88,908 median income
- 28445
Holly Ridge (28445)
$84,016 median income
What this shows By household income, ZIP 28445 ranks #3 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28445, both outside NC so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (5,676 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Onslow County
Related Areas
Frequently Asked Questions
What county is ZIP code 28445 in?
ZIP code 28445 (Holly Ridge) is located in Onslow County, North Carolina. Onslow County contains multiple ZIP codes, see the full list at /counties/onslow-nc.
What is the population of ZIP code 28445?
ZIP code 28445 in Holly Ridge, NC has a population of 5,676 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28445?
The median household income in ZIP 28445 is $84,016, which is 10% above the national average of $76,288.
What is the average home value in ZIP 28445?
The median home value in ZIP 28445 is $386,100, which is 39% above the national average of $278,155.
What is the demographic makeup of ZIP 28445?
The largest racial group in ZIP 28445 is White at 90.9%. Hispanic or Latino residents make up 3.7% of the population.
How many businesses are in ZIP code 28445?
ZIP code 28445 has 379 business establishments employing approximately 2,926 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28445?
The top industries by establishment count in ZIP 28445 are: Accommodation and food services (75), Retail trade (52), Real estate and rental and leasing (49). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 28445?
According to the FHFA House Price Index, home values in ZIP 28445 increased by 11.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 292%. 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 28445?
In ZIP code 28445, 61.7% of residents aged 25+ have a high school diploma or higher, and 45.6% 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 28445?
The mean commute time for workers in ZIP code 28445 is 28.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 28445?
In ZIP code 28445, approximately 83.1% of occupied housing units are owner-occupied and 16.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28445?
The poverty rate in ZIP code 28445 is 3.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 28445's numbers, next.
- See how ZIP 28445 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Holly Ridge, NC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.