ZIP Code 28511 — Atlantic CDP, NC Demographics & Data

ZIP code 28511 covers Atlantic, NC in Carteret County with a population of about 627.

At a glance, the area shows median age of 35.5 versus a U.S. median of about 38.9.

It sits in telephone area code 252; U.S. House district NC-3; the GREENVILLE - N. BERN - WASHNGTN media market.

Median household income in ZIP 28511 is about $56,328 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.7%; unemployment rate near 4.8%; 18.6% of adults with a bachelor’s degree or higher (about 15.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Public administration, and Healthcare; about 8.7% of workers reporting work-from-home (about 6.5 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 $154,900 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.0% (about 25.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28511 in Atlantic, NC, a household would need roughly $43,000 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 $995. That sits below the local median household income ($56,328), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Atlantic CDP, NC as Relatively Moderate (composite score 93.5), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.7) and wildfire (88.6). 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 Atlantic CDP, NC show little to no average snow and around 59.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 26 for ZIP 28511 (Atlantic CDP, 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.