Residential delivery area · North Carolina
ZIP Code 28445: Holly Ridge, NC
ZIP code 28445 uses the postal name Holly Ridge, North Carolina and lies mostly in Onslow County (91% of its land) with the rest in Pender County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $84,016 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Surf City (5%), Topsail Beach (4%) and Holly Ridge (4%), and under 1% in smaller places; 86% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Holly Ridge · its only residential ZIP
- County
- Onslow County (91%); Pender County (9%)
- Census places
- Surf City (5%); Topsail Beach (4%); Holly Ridge (4%)
- Metro area
- Jacksonville, NC
- House districts
- NC-3 (91%), NC-7 (9%) 119th Congress, by share of land
- State
- North Carolina
- Time zone
- Eastern
- Land area
- 103.7 sq mi · 104 people per sq mi
Where is ZIP code 28445?
28445 centers on 34.529°, -77.536° and covers 103.7 square miles of land plus 5.0 of water. It borders 5 ZIP codes: 28460, 28443, 28454, 28547, 28540.
The map draws ZIP code areas only. For the streets inside 28445, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 28445 compare with the rest of Onslow County?
| Measure | 28445 | In Onslow County | In NC |
|---|---|---|---|
| People (ACS 2020-2024) | 10,797 | 8th of 16 | 296th of 853 |
| Median household income | $84k | 3rd of 9 | 112th of 528 |
| Median home value | $386k | 1st of 13 | 103rd of 572 |
Its median household income is higher than in 67% of U.S. residential ZIP codes, and it is denser than 54% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 28445?
The 2020 Census counted 10,243 people in 28445; the ACS, which samples households over 2020-2024, estimates 10,797. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 10,797
- 2020 Census count
- 10,243
- Households
- 4,625
- Median age
- 41.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 28445?
Of the 10,797 people the ACS estimates in 28445, 20.7% are under 18 and 19.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.2%).
- Under 1820.7%
- 18 to 6459.7%
- 65 and older19.7%
- White, not Hispanic89.2%
- Other or two or more4.4%
- Hispanic or Latino3.7%
- Black, not Hispanic1.8%
- Asian, not Hispanic0.9%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 28445 earn?
Median household income is $84,016 (ACS 2020-2024), the 3rd highest of the 9 ranked ZIP codes in Onslow County.
- Median household income
- $84,016±$14,228
- Income per person
- $54,773
- Below the poverty line
- 3.4%
- Unemployed (of the labor force)
- 0.9%
- Adults 25+ with a bachelor's degree
- 45.6%
- Adjusted gross income per tax return, 2022
- $93,0645,670 returns; wages 63% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 28445?
FHFA's house price index for 28445, built from repeat sales and appraisals of the same homes, rose 141% from 2015 to 2025 and rose 77% from 2020 to 2025, and moved +2.2% in 2025.
- Median home value (owners' estimate)
- $386,100
- Median gross rent
- $1,151
- Homes owned by their occupants
- 83.1%
- Housing units
- 9,146
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 28445?
379 business establishments had a location in this ZIP code in 2023, 117 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services75
- Retail trade52
- Real estate and rental and leasing49
- Construction43
- Other services (except public administration)32
- Administrative and support and waste management and remediation services26
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 28445?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 28460 | Sneads Ferry | 13,532 | $89k | 6.8 mi |
| 28443 | Hampstead | 28,416 | $91k | 9.5 mi |
| 28454 | Maple Hill | 2,895 | $73k | 11.9 mi |
| 28547 | Camp Lejeune | 21,346 | $68k | 13.8 mi |
| 28540 | Jacksonville | 49,141 | $66k | 15.0 mi |
| 28542 | Camp Lejeune | 3,508 | $126k | 14.5 mi (near) |
| 28543 | Tarawa Terrace | 6,069 | $51k | 16.2 mi (near) |
| 28544 | Midway Park | 4,386 | $52k | 18.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.