ZIP Code 02886 — Warwick city, RI Demographics & Data

ZIP code 02886 covers Warwick, RI in Kent County with a population of about 30,925.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area code 401; U.S. House district RI-2; the PROVIDENCE - NEW BEDFORD media market.

Warwick, RI sits in a university / college context (near community college of rhode island (1.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 02886 is about $91,037 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 3.3%; 36.6% of adults with a bachelor’s degree or higher (about 2.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 11.1% of workers reporting work-from-home (about 4.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $334,400 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,154 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 65.5% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02886 in Warwick, RI, a household would need roughly $92,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,148. That is roughly in line with the local median household income ($91,037). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Warwick city, RI as Relatively Low (composite score 69.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (82.4) and flood (80.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Warwick city, RI show little to no average snow and around 47.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,142 for ZIP 02886 (Warwick city, RI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.