Havelock, NC · standard
ZIP Code 28532
Craven County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 23,320
- 54/sq mi Moderate-density area
- $60,605
- Median income Below-median income area
- $218,000
- Median home value Near-median home value
- 20.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28532 (Havelock, NC) rose +8.3% from 2023 to 2024. The all-transactions index moved from 221.2 in 2023 to 239.5 in 2024 (2000 = 100).
ZIP code 28532 is a densely settled ZIP (a standard USPS delivery area) in Havelock, Craven County, North Carolina, with 23,320 residents across 428.7 square miles, a density of 54 people per square mile, in the New York time zone.
ZIP 28532 reports a modest median household income of $60,605 (12% below the average North Carolina ZIP), while per-capita income is $30,365. The poverty rate is 14.4%, with unemployment at 3.7%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $218,000 (16% below the average North Carolina ZIP), and median rent is $1,269; owner occupancy is 52.0%.
Educational attainment sits below the national norm: 20.6% of adults hold a bachelor's degree or higher, the median age is 30.9, and the average commute is 24 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Craven County, so 28532 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 28532
Top 5 sectors by establishment count in Havelock, NC
Which industries have the most business establishments in ZIP 28532.
- Retail trade
Retail trade
61 establishments
- Accommodation and food services
Accommodation and food services
55 establishments
- Other services (except public administration)
Other services (except public administration)
46 establishments
- Health care and social assistance
Health care and social assistance
27 establishments
- Professional, scientific, and technical services 24
Professional, scientific, and technical services
24 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 28532, Havelock, 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
23,320
Population
428.7
Area (sq mi)
54
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28532?
30.9
Median Age
52.6%
Male
47.4%
Female
4.6%
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?
$60,605
Median Household Income
-12% vs state ZIP avg
$30,365
Per Capita Income
14.4%
Poverty Rate
3.7%
Unemployment Rate
24.3 min
Mean Commute Time
How ZIP 28532 ranks among North Carolina ZIPs
Havelock, 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)
$60,605 40th percentile higher than 40% 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
9,403housing units
9,403
Total Housing Units
8,214
Occupied Units
1,189
Vacant Units
2.51
Avg Household Size
Occupancy Type
$218,000
Median Home Value
-16% vs state ZIP avg
$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
15
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 →
ZIP 28532 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28532
Havelock (28532)
23,320 residents
- 28570
Newport (28570)
21,432 residents
- 28533 2,952
Cherry Point (28533)
2,952 residents
- 28510 1,502
Arapahoe (28510)
1,502 residents
What this shows Among its immediate neighbors, ZIP 28532 ranks the most populous - useful context the national average alone can't give.
ZIP 28532 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28570
Newport (28570)
$70,229 median income
- 28532
Havelock (28532)
$60,605 median income
- 28510
Arapahoe (28510)
$58,839 median income
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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28532, 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 (23,320 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Craven County
Related Areas
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.
Related
Take this with you
What to do with ZIP 28532's numbers, next.
- See how ZIP 28532 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Havelock, 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.