ZIP Code 28465 — Oak Island town, NC Demographics & Data

ZIP code 28465 covers Oak Island, NC in Brunswick County with a population of about 8,689.

At a glance, the area shows median age of 60.9 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 fits a retirement-oriented profile (high share of residents 65+ (38.4%)). 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 28465 is about $83,739 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 1.9%; 44.6% of adults with a bachelor’s degree or higher (about 10.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Public administration; about 20.7% of workers reporting work-from-home (about 5.5 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 $436,200 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $921 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28465 in Oak Island, NC, a household would need roughly $120,000 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 $2,802. That is about 43% above the local median household income ($83,739), 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 361 for ZIP 28465 (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.