Residential delivery area · North Carolina

ZIP Code 28531: Harkers Island, NC

ZIP code 28531 is in Harkers Island, North Carolina, entirely in Carteret County (Census 2020 ZIP-county file). About 1,100 people live there (Census Bureau, ACS 2020-2024). Median household income is $60,000 (Census Bureau, ACS 2020-2024).

ACS2020-24
Census2020
FHFA2022
ZBP2023
IRS2022

2national area: North Carolina, District of Columbia, Maryland, South Carolina, Virginia and West Virginia

285sectional center: Fayetteville, NC (SCF 283)

31delivery area within it

Town: Harkers Island · its only residential ZIP
County: Carteret County
Census places: Harkers Island census-designated place
Micro area: Morehead City, NC
House district: NC-3 119th Congress
State: North Carolina
Time zone: Eastern
Land area: 2.2 sq mi · 473 people per sq mi

Where is ZIP code 28531?

28531 centers on 34.698°, -76.556° and covers 2.2 square miles of land plus 1.6 of water.

Shaded by median household income, in national fifths (ACS 2020-2024); 28531 outlined. Census 2020 ZCTA boundaries. <$54.1k$98.1k+no figure

The map draws ZIP code areas only. For the streets inside 28531, 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 28531 compare with the rest of Carteret County?

Rank of 28531 among the residential ZIP codes of its town, county and state (1 = the most; income and home value among ZIP codes of 1,000+ people living in households)
Measure	28531	In Carteret County	In NC
People (ACS 2020-2024)	1,060	8th of 18	683rd of 853
Median household income	$60k	7th of 7	355th of 528
Median home value	$313k	7th of 8	170th of 572

Its median household income is higher than in 29% of U.S. residential ZIP codes, and it is denser than 71% 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 28531?

The 2020 Census counted 1,127 people in 28531; the ACS, which samples households over 2020-2024, estimates 1,060. Between the 2010 and 2020 censuses its population fell 6.6% (its boundary stayed at least 90% the same).

People, ACS 2020-2024: 1,060±233 (90% margin)
2020 Census count: 1,127−6.6% since 2010 (1,207)
Households: 462
Median age: 61.5

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 28531?

Of the 1,060 people the ACS estimates in 28531, 11.5% are under 18 and 35.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (92.4%).

Under 1811.5%
18 to 6452.8%
65 and older35.7%

Age of the people of 28531 (ACS 2020-2024, B01001)

White, not Hispanic92.4%
Hispanic or Latino3.8%
Black, not Hispanic2.5%
Other or two or more0.8%
Asian, not Hispanic0.6%

Race and Hispanic origin in 28531 (ACS 2020-2024, B03002); each person counted once

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 28531 earn?

Median household income is $60,000 (ACS 2020-2024), the 7th highest of the 7 ranked ZIP codes in Carteret County. It is not measurably different from 2015-2019 ($66,802 in 2024 dollars): the change is within the surveys' margins of error.

Median household income: $60,000±$10,151
Income per person: $36,684
Below the poverty line: 10.4%
Unemployed (of the labor force): 0.0%
Adults 25+ with a bachelor's degree: 18.3%
Adjusted gross income per tax return, 2022: $82,434590 returns; wages 53% 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 28531?

Median home value (owners' estimate): $313,100
Median gross rent: $1,125
Homes owned by their occupants: 89.4%
Housing units: 1,170

Index = 100 in 1998, the first year FHFA reports for 28531; 2022: 238.2. Annual, not seasonally adjusted; FHFA calls its ZIP-level indexes developmental. FHFA's series for 28531 stops in 2022: it publishes no ZIP index for a year with too few repeat sales.

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 28531?

25 business establishments had a location in this ZIP code in 2023, 4 more than in 2018; the most are in construction (ZIP Code Business Patterns).

Construction6
Retail trade6

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 28531?

ZIP codes that share a boundary with 28531, then the nearest by center
ZIP	Town	People	Household income	Distance
28528	Gloucester	407	$64k	2.5 mi (near)
28553	Marshallberg	413	$89k	3.8 mi (near)
28589	Williston	32	–	7.6 mi (near)
28524	Davis	261	$74k	8.5 mi (near)
28579	Smyrna	331	$65k	8.4 mi (near)
28557	Morehead City	15,253	$69k	11.4 mi (near)
28516	Beaufort	11,289	$66k	11.5 mi (near)
28581	Stacy	118	–	12.2 mi (near)

Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.