ZIP Code 27816 — Castalia town, NC Demographics & Data

ZIP code 27816 covers Castalia, NC in Franklin County with a population of about 2,964.

At a glance, the area shows median age of 51.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 252, 919, 984; U.S. House district NC-13; the RALEIGH - DURHAM (FAYETVLLE) media market.

Castalia, NC fits a retirement-oriented profile (high share of residents 65+ (36.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 27816 is about $31,806 — about 58% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.2%; unemployment rate near 9.9%; 5.0% of adults with a bachelor’s degree or higher (about 28.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 24.4% of workers reporting work-from-home (about 9.2 points above 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 $112,100 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $609 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 27816 in Castalia, NC, a household would need roughly $31,000 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 $720. That is roughly in line with the local median household income ($31,806). 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 Castalia town, NC as Relatively Low (composite score 51.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (74.6) and flood (56.0). 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 Castalia town, NC show little to no average snow and around 48.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 123 for ZIP 27816 (Castalia town, NC) 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.