PlainZIP

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
$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 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 North Carolina average), while per-capita income is $30,365. Poverty here runs at 14.4%, with unemployment measured at 3.7%. The typical home here is valued at $218,000 (16% below the state average); renters pay a median of $1,269 monthly, and 52.0% of units are owner-occupied.

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. A geography-based comparison follows: 3 ZIP codes within about 10 miles of 28532, plus 6 more within Craven County, give a clearer read than the national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

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

Havelock, NC 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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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

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.

residents

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

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28532 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

28562 standard
New Bern, NC
Pop: 36,176
28560 standard
New Bern, NC
Pop: 28,921
28586 standard
Vanceboro, NC
Pop: 8,218
28530 standard
Grifton, NC
Pop: 7,332
28533 standard
Cherry Point, NC
Pop: 2,952
28526 standard
Dover, NC
Pop: 2,489

Related Areas

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.

Read our methodology to see how this data is sourced, computed, and verified.