Havelock, NC · standard

ZIP Code 28532

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 14, 2026

23,320
54/sq mi: $60,605
Median income: $218,000
Median home value: 20.6%
Bachelor's or higher

The verdict

Havelock pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.

30th pct
household income, US ZIPs: 49th pct
home value, US ZIPs: 54
people per sq mi: 52%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28532 against every reporting US ZIP.

ZIP code 28532 is classified by USPS as a standard delivery area and covers roughly 428.7 square miles in Havelock, Craven County, North Carolina. The area is home to 23,320 residents, producing a population density of 54 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 28532 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28532 sits at $60,605 (12% below the North Carolina average), while per-capita income is $30,365. The poverty rate stands at 14.4% and the unemployment rate at 3.7%. On housing, the median home value is $218,000 (16% below the state average) with median rent at $1,269 per month, and 52.0% of occupied units are owner-occupied, a direct signal of whether 28532 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.6% of adults hold a bachelor's degree or higher, the median age is 30.9, and the average commute is 24 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Craven County, so you can benchmark 28532 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 28532

Retail trade

61
Accommodation and food services

55
Other services (except public administration)

46
Health care and social assistance

27
Professional, scientific, and technical services

24

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 28532, Havelock, NC · 2023 Accessed 2026-06-14 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

23,320

Population

428.7

Area (sq mi)

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 28532?

30.9

Median Age

52.6%

Male

47.4%

Female

4.6%

Foreign-Born

White 62.4%

African American 18.5%

Asian 3.2%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 12.9%

Hispanic or Latino 13.2%

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?

$60,605

Median Household Income

-12% vs state

$30,365

Per Capita Income

14.4%

Poverty Rate

3.7%

Unemployment Rate

24.3 min

Mean Commute Time

How ZIP 28532 ranks nationally

Household income vs. every US ZIP code

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

$60,605 30th percentile higher than 30% of 30,318 US ZIPs

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 49.6%

Bachelor's Degree or Higher 20.6%

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

What does housing look like?

9,403

Total Housing Units

8,214

Occupied Units

1,189

Vacant Units

2.51

Avg Household Size

Occupancy Type

Owner 52.0%

Renter 48.0%

$218,000

Median Home Value

-16% vs state

$1,269

Median Rent

1990

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

+8.3%

YoY Change (2024)

240

HPI Index (2000 = 100)

+140%

Total Change Since 2000

Home values in ZIP 28532 have increased 8.3% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+4.2%	149
2021	+9.7%	164
2022	+20.6%	197
2023	+12.2%	221
2024	+8.3%	240

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 325 business establishments in ZIP 28532, employing approximately 3,466 people with a combined annual payroll of $130,072,000.

325

Businesses

3,466

Employees

$130.1M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	61	18.8%
Accommodation and food services	55	16.9%
Other services (except public administration)	46	14.2%
Health care and social assistance	27	8.3%
Professional, scientific, and technical services	24	7.4%
Real estate and rental and leasing	21	6.5%
Construction	20	6.2%
Finance and insurance	20	6.2%
Administrative and support and waste management and remediation services	15	4.6%
Transportation and warehousing	8	2.5%
Manufacturing	7	2.1%
Information	7	2.1%
Arts, entertainment, and recreation	6	1.9%
Educational services	5	1.5%
Wholesale trade	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 28532 vs 28533 →

28532

23,320
28570

21,432
28533

2,952
28510

1,502

What this shows Among its immediate neighbors, ZIP 28532 ranks the most populous — useful context the national average alone can't give.

28570

$70,229
28532

$60,605
28510

$58,839

What this shows By household income, ZIP 28532 ranks #2 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
28533	Cherry Point, NC	2,952	1.1 mi
28570	Newport, NC	21,432	8.0 mi
28510	Arapahoe, NC	1,502	9.9 mi

More ZIP Codes in Craven County

Craven County Havelock, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28532 in? ▼

ZIP code 28532 (Havelock) is located in Craven County, North Carolina. Craven County contains multiple ZIP codes, see the full list at /counties/craven-nc.

What is the population of ZIP code 28532? ▼

ZIP code 28532 in Havelock, NC has a population of 23,320 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 28532? ▼

The median household income in ZIP 28532 is $60,605, which is 21% below the national average of $76,288.

What is the average home value in ZIP 28532? ▼

The median home value in ZIP 28532 is $218,000, which is 22% below the national average of $278,155.

What is the demographic makeup of ZIP 28532? ▼

The largest racial group in ZIP 28532 is White at 62.4%. Hispanic or Latino residents make up 13.2% of the population.

How many businesses are in ZIP code 28532? ▼

ZIP code 28532 has 325 business establishments employing approximately 3,466 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 28532? ▼

The top industries by establishment count in ZIP 28532 are: Retail trade (61), Accommodation and food services (55), Other services (except public administration) (46). There are 15 industry sectors represented in total.

How have home values changed in ZIP code 28532? ▼

According to the FHFA House Price Index, home values in ZIP 28532 increased by 8.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. 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 28532? ▼

In ZIP code 28532, 49.6% of residents aged 25+ have a high school diploma or higher, and 20.6% 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 28532? ▼

The mean commute time for workers in ZIP code 28532 is 24.3 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 28532? ▼

In ZIP code 28532, approximately 52.0% of occupied housing units are owner-occupied and 48.0% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 28532? ▼

The poverty rate in ZIP code 28532 is 14.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.