ZIP Code 28422 — Oak Island town, NC Demographics & Data

ZIP code 28422 covers Oak Island, NC in Brunswick County with a population of about 8,590.

At a glance, the area shows median age of 56.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 472, 910; U.S. House district NC-7; the WILMINGTON media market.

Oak Island, NC sits in a university / college context (near brunswick community college (2.5 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 28422 is about $67,883 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.9%; unemployment rate near 7.5%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 7.8% of workers reporting work-from-home (about 7.4 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 $295,000 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,210 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 87.4% (about 22.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28422 in Oak Island, NC, a household would need roughly $81,000 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 $1,895. That is about 19% above the local median household income ($67,883), so the median earner would likely stretch or need a larger down payment. 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 Oak Island town, NC as Relatively High (composite score 95.8), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.1) and wildfire (93.4). 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 Oak Island town, NC show little to no average snow and around 54.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 357 for ZIP 28422 (Oak Island 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.