Residential delivery area · North Carolina
ZIP Code 28540: Jacksonville, NC
ZIP code 28540 uses the postal name Jacksonville, North Carolina and lies entirely in Onslow County (Census 2020 ZIP-county file). About 49,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Jacksonville's 2 residential ZIP codes. Median household income is $65,625 (Census Bureau, ACS 2020-2024). By Census place, 14% of its land lies in Jacksonville, and 3% in smaller places; 83% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Jacksonville · 2 residential ZIPs
- County
- Onslow County
- Census places
- Jacksonville
- Neighborhoods
- Acorn Forest, Bayshore, Brookview Estates, Cedar Creek, Forest Grove, Greenbriar and 7 more GeoNames
- Metro area
- Jacksonville, NC
- House district
- NC-3 119th Congress
- State
- North Carolina
- Time zone
- Eastern
- Land area
- 110.3 sq mi · 445 people per sq mi
- PO Box ZIPs
- 28541 also use the name Jacksonville
Where is ZIP code 28540?
28540 centers on 34.744°, -77.499° and covers 110.3 square miles of land plus 2.5 of water. It borders 7 ZIP codes: 28542, 28543, 28546, 28454, 28574, 28547, 28445.
The map draws ZIP code areas only. For the streets inside 28540, 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); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 28540 compare with the rest of Jacksonville?
| Measure | 28540 | In Jacksonville | In Onslow County | In NC |
|---|---|---|---|---|
| People (ACS 2020-2024) | 49,141 | 1st of 2 | 1st of 16 | 38th of 853 |
| Median household income | $66k | 1st of 2 | 6th of 9 | 281st of 528 |
| Median home value | $224k | 2nd of 2 | 7th of 13 | 321st of 572 |
Its median household income is higher than in 39% 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 28540?
The 2020 Census counted 49,739 people in 28540; the ACS, which samples households over 2020-2024, estimates 49,141. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 49,141
- 2020 Census count
- 49,739
- Households
- 19,048
- Median age
- 30.2
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 28540?
Of the 49,141 people the ACS estimates in 28540, 27.2% are under 18 and 11.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (62.7%), then Black (not Hispanic) (14.3%).
- Under 1827.2%
- 18 to 6461.4%
- 65 and older11.5%
- White, not Hispanic62.7%
- Black, not Hispanic14.3%
- Hispanic or Latino13.4%
- Other or two or more8.1%
- Asian, not Hispanic1.6%
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 28540 earn?
Median household income is $65,625 (ACS 2020-2024), the 6th highest of the 9 ranked ZIP codes in Onslow County.
- Median household income
- $65,625
- Income per person
- $31,632
- Below the poverty line
- 16.1%
- Unemployed (of the labor force)
- 4.6%
- Adults 25+ with a bachelor's degree
- 24.3%
- Adjusted gross income per tax return, 2022
- $56,23020,770 returns; wages 70% 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 28540?
FHFA's house price index for 28540, built from repeat sales and appraisals of the same homes, rose 112% from 2015 to 2025 and rose 73% from 2020 to 2025, and moved +8.0% in 2025.
- Median home value (owners' estimate)
- $223,800
- Median gross rent
- $1,091
- Homes owned by their occupants
- 61.8%
- Housing units
- 21,131
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 28540?
928 business establishments had a location in this ZIP code in 2023, 10 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade166
- Accommodation and food services118
- Other services (except public administration)115
- Construction101
- Professional, scientific, and technical services81
- Health care and social assistance71
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 28540?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 28542 | Camp Lejeune | 3,508 | $126k | 2.3 mi |
| 28543 | Tarawa Terrace | 6,069 | $51k | 5.8 mi |
| 28546 | Jacksonville | 47,256 | $64k | 8.4 mi |
| 28454 | Maple Hill | 2,895 | $73k | 10.2 mi |
| 28574 | Richlands | 20,990 | $67k | 10.6 mi |
| 28547 | Camp Lejeune | 21,346 | $68k | 12.4 mi |
| 28445 | Holly Ridge | 10,797 | $84k | 15.0 mi |
| 28544 | Midway Park | 4,386 | $52k | 12.3 mi (near) |
| 28521 | Chinquapin | 1,593 | $48k | 14.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.