ZIP Code 28532 — Havelock city, NC Demographics & Data

ZIP code 28532 covers Havelock, NC in Craven County with a population of about 19,918.

At a glance, the area shows median age of 30.5 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.

Havelock, NC reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.4%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 28532 is about $65,772 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 6.4%; 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 Retail trade, Food services, and Public administration; about 6.3% of workers reporting work-from-home (about 8.9 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 $193,200 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,174 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 55.1% (about 10.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28532 in Havelock, NC, a household would need roughly $53,000 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 $1,241. That sits below the local median household income ($65,772), 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 Havelock city, NC as Relatively Moderate (composite score 93.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.6) and wildfire (83.3). 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 Havelock city, NC show little to no average snow and around 57.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 827 for ZIP 28532 (Havelock city, 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.