ZIP Code 28445 — Surf City town, NC Demographics & Data

ZIP code 28445 covers Surf City, NC in Onslow County with a population of about 9,784.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 472, 910; U.S. House district NC-3; the GREENVILLE - N. BERN - WASHNGTN media market.

Median household income in ZIP 28445 is about $89,250 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 1.1%; 42.0% of adults with a bachelor’s degree or higher (about 8.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Professional services, and Healthcare; about 25.1% of workers reporting work-from-home (about 9.9 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 $332,500 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $987 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 79.5% (about 14.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28445 in Surf City, NC, 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 $2,136. That is roughly in line with the local median household income ($89,250). 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 Surf City town, NC as Relatively High (composite score 95.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.0) and wildfire (85.9). 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 Surf City town, NC show little to no average snow.

IRS migration statistics show a net inflow of about 406 for ZIP 28445 (Surf City 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.