ZIP Code 28469 — Ocean Isle Beach town, NC Demographics & Data

ZIP code 28469 covers Ocean Isle Beach, NC in Brunswick County with a population of about 9,364.

At a glance, the area shows median age of 62.1 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.

Ocean Isle Beach, NC matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 28469 is about $87,285 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 3.0%; 39.5% of adults with a bachelor’s degree or higher (about 5.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 17.4% of workers reporting work-from-home (about 2.2 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 $413,200 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $755 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 86.5% (about 21.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28469 in Ocean Isle Beach, NC, a household would need roughly $114,000 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 $2,654. That is about 31% above the local median household income ($87,285), 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 Ocean Isle Beach 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 Ocean Isle Beach town, NC show little to no average snow and around 56.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 389 for ZIP 28469 (Ocean Isle Beach 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.