Jacksonville, NC · standard
ZIP Code 28540
Onslow County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 49,252
- 184/sq mi High-density area
- $65,625
- Median income Near-median income area
- $223,800
- Median home value Near-median home value
- 24.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Jacksonville pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 39th pct
- household income, US ZIPs
- Top 50%
- home value, US ZIPs
- 184
- people per sq mi
- 62%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28540 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 28540 (Jacksonville, NC) rose +7.3% from 2023 to 2024. The all-transactions index moved from 226.7 in 2023 to 243.3 in 2024 (2000 = 100).
ZIP code 28540 is a densely settled ZIP (a standard USPS delivery area) in Jacksonville, Onslow County, North Carolina, with 49,252 residents across 267.4 square miles, a density of 184 people per square mile, in the New York time zone.
ZIP 28540 reports a modest median household income of $65,625 (5% below the average North Carolina ZIP), while per-capita income is $31,632. The poverty rate is 16.1%, with unemployment at 3.7%; those measures add context to the income figure. Median home value is $223,800 (14% below the average North Carolina ZIP) and median rent is $1,091; 61.8% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 24.3% of adults hold a bachelor's degree or higher, the median age is 30.2, and the average commute is 24 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Onslow County, so 28540 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 28540
Top 5 sectors by establishment count in Jacksonville, NC
Which industries have the most business establishments in ZIP 28540.
- Retail trade
Retail trade
166 establishments
- Accommodation and food services
Accommodation and food services
118 establishments
- Other services (except public administration)
Other services (except public administration)
115 establishments
- Construction
Construction
101 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
81 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 28540, Jacksonville, 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
49,252
Population
267.4
Area (sq mi)
184
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28540?
30.2
Median Age
52.3%
Male
47.7%
Female
3.7%
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?
$65,625
Median Household Income
-5% vs state ZIP avg
$31,632
Per Capita Income
16.1%
Poverty Rate
3.7%
Unemployment Rate
23.8 min
Mean Commute Time
How ZIP 28540 ranks nationally
Jacksonville, NC household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$65,625 39th percentile higher than 39% 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
21,131housing units
21,131
Total Housing Units
19,048
Occupied Units
2,083
Vacant Units
2.46
Avg Household Size
Occupancy Type
$223,800
Median Home Value
-14% vs state ZIP avg
$1,091
Median Rent
1986
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
+7.3%
YoY Change (2024)
243
HPI Index (2000 = 100)
+143%
Total Change Since 2000
Home values in ZIP 28540 have increased 7.3% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 154 |
| 2021 | +13.1% | 174 |
| 2022 | +15.2% | 201 |
| 2023 | +12.9% | 227 |
| 2024 | +7.3% | 243 |
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 928 business establishments in ZIP 28540, employing approximately 10,594 people with a combined annual payroll of $373,886,000.
928
Businesses
10,594
Employees
$373.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 166 | 17.9% |
| Accommodation and food services | 118 | 12.7% |
| Other services (except public administration) | 115 | 12.4% |
| Construction | 101 | 10.9% |
| Professional, scientific, and technical services | 81 | 8.7% |
| Health care and social assistance | 71 | 7.7% |
| Real estate and rental and leasing | 68 | 7.3% |
| Administrative and support and waste management and remediation services | 48 | 5.2% |
| Finance and insurance | 40 | 4.3% |
| Transportation and warehousing | 30 | 3.2% |
| Arts, entertainment, and recreation | 24 | 2.6% |
| Wholesale trade | 19 | 2.0% |
| Educational services | 16 | 1.7% |
| Manufacturing | 14 | 1.5% |
| Information | 11 | 1.2% |
| Utilities | 3 | 0.3% |
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 28540 vs 28543 →
ZIP 28540 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28540
Jacksonville (28540)
49,252 residents
- 28546
Jacksonville (28546)
42,696 residents
- 28547
Camp Lejeune (28547)
21,884 residents
- 28574 15,102
Richlands (28574)
15,102 residents
- 28543 4,699
Tarawa Terrace (28543)
4,699 residents
- 28454 2,545
Maple Hill (28454)
2,545 residents
What this shows Among its immediate neighbors, ZIP 28540 ranks the most populous - useful context the national average alone can't give.
ZIP 28540 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28454
Maple Hill (28454)
$73,015 median income
- 28547
Camp Lejeune (28547)
$67,588 median income
- 28574
Richlands (28574)
$67,416 median income
- 28540
Jacksonville (28540)
$65,625 median income
- 28546
Jacksonville (28546)
$63,561 median income
- 28543
Tarawa Terrace (28543)
$50,649 median income
What this shows By household income, ZIP 28540 ranks #4 of 6 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 28540, 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 (49,252 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Onslow County
Related Areas
Frequently Asked Questions
What county is ZIP code 28540 in?
ZIP code 28540 (Jacksonville) is located in Onslow County, North Carolina. Onslow County contains multiple ZIP codes, see the full list at /counties/onslow-nc.
What is the population of ZIP code 28540?
ZIP code 28540 in Jacksonville, NC has a population of 49,252 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28540?
The median household income in ZIP 28540 is $65,625, which is 14% below the national average of $76,288.
What is the average home value in ZIP 28540?
The median home value in ZIP 28540 is $223,800, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 28540?
The largest racial group in ZIP 28540 is White at 66.2%. Hispanic or Latino residents make up 13.4% of the population.
How many businesses are in ZIP code 28540?
ZIP code 28540 has 928 business establishments employing approximately 10,594 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28540?
The top industries by establishment count in ZIP 28540 are: Retail trade (166), Accommodation and food services (118), Other services (except public administration) (115). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 28540?
According to the FHFA House Price Index, home values in ZIP 28540 increased by 7.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 28540?
In ZIP code 28540, 56.7% of residents aged 25+ have a high school diploma or higher, and 24.3% 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 28540?
The mean commute time for workers in ZIP code 28540 is 23.8 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 28540?
In ZIP code 28540, approximately 61.8% of occupied housing units are owner-occupied and 38.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28540?
The poverty rate in ZIP code 28540 is 16.1% 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 28540's numbers, next.
- See how ZIP 28540 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Jacksonville, 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.