ZIP Code 28515 — Bayboro town, NC Demographics & Data

ZIP code 28515 covers Bayboro, NC in Pamlico County with a population of about 2,759.

At a glance, the area shows median age of 50.2 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 28515 is about $31,857 — about 58% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 2.8%; 10.2% of adults with a bachelor’s degree or higher (about 23.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Agriculture; about 4.4% of workers reporting work-from-home (about 10.8 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 $137,000 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $366 (about 69% below the U.S. median rent ($1,163)), and owner-occupancy near 74.6% (about 9.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28515 in Bayboro, NC, a household would need roughly $38,000 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 $880. That is about 19% above the local median household income ($31,857), 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 Bayboro town, NC as Relatively Low (composite score 72.4), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.7) and wildfire (78.0). 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 Bayboro town, NC show little to no average snow and around 58.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 115 for ZIP 28515 (Bayboro 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.