ZIP Code 28762 — Old Fort town, NC Demographics & Data

ZIP code 28762 covers Old Fort, NC in McDowell County with a population of about 6,305.

At a glance, the area shows median age of 54.5 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-11; the GREENVLL - SPART - ASHEVLL - AND media market.

Old Fort, NC reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). 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 28762 is about $52,269 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.9%; unemployment rate near 10.3%; 18.4% of adults with a bachelor’s degree or higher (about 15.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 9.7% of workers reporting work-from-home (about 5.5 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 $176,300 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $536 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 71.4% (about 6.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28762 in Old Fort, NC, a household would need roughly $49,000 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 $1,133. That is roughly in line with the local median household income ($52,269). 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 Old Fort town, NC as Relatively Low (composite score 59.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (72.5) and hurricane (60.9). 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 Old Fort town, NC show little to no average snow and around 55.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 262 for ZIP 28762 (Old Fort 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.