Zip code 28445: Holly Ridge, North Carolina

Q: What city is zip code 28445?

28445 is assigned to Holly Ridge, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28445 in?

28445 is mostly in Onslow County, but it extends into 1 other county.

Q: What is the population of 28445?

About 10,797 people live in 28445, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28445?

The median household income in 28445 is $84,016.

Q: What zip codes are near 28445?

The closest zip codes to 28445 are 28460, 28443, 28454, 28547, 28541.

Residential delivery areaOnslow CountyEastern Time

Population

10,797

Median household income

$84K

U.S. $81K

Median home value

$386K

U.S. $333K

Median rent

$1,151/mo

U.S. $1,413

Median age

41.2

U.S. 38.9

Land area

104 sq mi

104 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 28445

28445 is a small-town zip code in Holly Ridge, North Carolina (Onslow County), covering 104 sq mi of land. About 10,797 people live here, or 104 per square mile. The median resident is 41.2 years old, compared with 38.9 nationally.

The median household earns $84,016 a year, close to the national median of $80,734. 3.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $386,100, or 4.6 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 83% of occupied homes are lived in by their owners, and renters pay a median of $1,151 a month.

46% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 28.5 minutes each way, and 30% of workers work from home. The most common jobs among working residents are in management; construction and repair; and healthcare. 17% of them are self-employed (U.S.: 10%).

How 28445 compares

Sorted from highest to lowest national percentile

Housing vacancy49.4%
99th
U.S. 10.1% · NC 12.5%50th of 789 in NC
Veterans14.4%
97th
U.S. 6.2% · NC 7.4%70th of 801 in NC
Work from home29.5%
94th
U.S. 15.1% · NC 16.3%43rd of 799 in NC
Self-employed workers16.8%
94th
U.S. 10% · NC 9.8%93rd of 798 in NC
Homeownership rate83.1%
85th
StrengthU.S. 65.2% · NC 66.6%206th of 788 in NC
Uninsured rate12.9%
83rd
WeaknessU.S. 8.4% · NC 9.9%196th of 797 in NC
Per capita income$54,773
79th
U.S. $44,673 · NC $41,38582nd of 799 in NC
Bachelor's degree or higher45.6%
73rd
U.S. 35.7% · NC 35.7%125th of 799 in NC
Income inequality (Gini)0.466
73rd
U.S. 0.483 · NC 0.477220th of 781 in NC
Residents 65 and older19.7%
72nd
U.S. 17.2% · NC 17.2%396th of 802 in NC
Median earnings per worker$57,012
71st
U.S. $49,666 · NC $46,27998th of 788 in NC
Broadband access94.2%
68th
U.S. 91% · NC 90.1%143rd of 788 in NC
Median age41.2
66th
U.S. 38.9 · NC 39.1453rd of 802 in NC
Average commute28.5 min
66th
U.S. 26.4 min · NC 25.1 min252nd of 771 in NC
Healthcare workers10.2%
61st
U.S. 9.7% · NC 9.5%312th of 798 in NC
Median home value$386,100
60th
U.S. $332,700 · NC $288,900120th of 757 in NC
Median household income$84,016
55th
U.S. $80,734 · NC $72,388141st of 748 in NC
Rent-burdened renters50.1%
48th
U.S. 51.1% · NC 48.9%303rd of 760 in NC
Residents under 1820.7%
37th
U.S. 22% · NC 21.8%381st of 802 in NC
Median gross rent$1,151
32nd
U.S. $1,413 · NC $1,228215th of 688 in NC
Tech workers1.7%
27th
U.S. 3.8% · NC 3.9%396th of 798 in NC
Population10,797
17th
U.S. 334,922,499 · NC 10,730,404296th of 802 in NC
Population density104/sq mi
14th
U.S. 95/sq mi · NC 221/sq mi480th of 802 in NC
Government workers9.3%
14th
U.S. 14.5% · NC 13.8%663rd of 798 in NC
Diversity index20.1
13th
U.S. 61.4 · NC 58.4663rd of 802 in NC
Foreign-born residents1.3%
8th
U.S. 14.1% · NC 9.1%641st of 802 in NC
Poverty rate3.4%
4th
StrengthU.S. 12.5% · NC 13%739th of 788 in NC
Unemployment rate0.9%
1st
StrengthU.S. 5.2% · NC 4.7%692nd of 799 in NC

Measure	28445	Onslow	NC	U.S.	National percentile	Rank in NC
Housing vacancy	49.4%	13.8%	12.5%	10.1%	99th	50th of 789
Veterans	14.4%	21.4%	7.4%	6.2%	97th	70th of 801
Work from home	29.5%	12.8%	16.3%	15.1%	94th	43rd of 799
Self-employed workers	16.8%	10.1%	9.8%	10%	94th	93rd of 798
Homeownership rateStrength	83.1%	63.7%	66.6%	65.2%	85th	206th of 788
Uninsured rateWeakness	12.9%	9.5%	9.9%	8.4%	83rd	196th of 797
Per capita income	$54,773	$33,305	$41,385	$44,673	79th	82nd of 799
Bachelor's degree or higher	45.6%	26%	35.7%	35.7%	73rd	125th of 799
Income inequality (Gini)	0.466	0.420	0.477	0.483	73rd	220th of 781
Residents 65 and older	19.7%	10.2%	17.2%	17.2%	72nd	396th of 802
Median earnings per worker	$57,012	$40,734	$46,279	$49,666	71st	98th of 788
Broadband access	94.2%	92.8%	90.1%	91%	68th	143rd of 788
Median age	41.2	27.7	39.1	38.9	66th	453rd of 802
Average commute	28.5 min	22.4 min	25.1 min	26.4 min	66th	252nd of 771
Healthcare workers	10.2%	8.9%	9.5%	9.7%	61st	312th of 798
Median home value	$386,100	$236,400	$288,900	$332,700	60th	120th of 757
Median household income	$84,016	$68,148	$72,388	$80,734	55th	141st of 748
Rent-burdened renters	50.1%	50.7%	48.9%	51.1%	48th	303rd of 760
Residents under 18	20.7%	24.8%	21.8%	22%	37th	381st of 802
Median gross rent	$1,151	$1,265	$1,228	$1,413	32nd	215th of 688
Tech workers	1.7%	2.3%	3.9%	3.8%	27th	396th of 798
Population	10,797	207,906	10,730,404	334,922,499	17th	296th of 802
Population density	104/sq mi	273/sq mi	221/sq mi	95/sq mi	14th	480th of 802
Government workers	9.3%	23.1%	13.8%	14.5%	14th	663rd of 798
Diversity index	20.1	55.2	58.4	61.4	13th	663rd of 802
Foreign-born residents	1.3%	4.2%	9.1%	14.1%	8th	641st of 802
Poverty rateStrength	3.4%	11.6%	13%	12.5%	4th	739th of 788
Unemployment rateStrength	0.9%	5.4%	4.7%	5.2%	1st	692nd of 799

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

17%

25–34

19%

35–44

45–54

14%

55–64

14%

65–74

75+

Median age

41.2

Under 18

20.7%

65 and over

19.7%

Race and ethnicity

White89%
Black2%
Hispanic4%
Asian0.9%
Native American0.0%
Pacific Islander0%
Other0.0%
Multiracial4%

Diversity index

20.1

U.S. 61.4

Foreign-born

1.3%

U.S. 14.1%

Born in state

38.2%

Language spoken at home (households)

English only

96%

Spanish

Other Indo-European

0.9%

Asian / Pacific

0.5%

Other

0.2%

Households

Households: 4,625
Average household size: 2.3
Family households: 66.6%
Married couples: 57.8%
Living alone: 24.7%
Veterans (of adults): 14.4%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

15%

$50–75k

15%

$75–100k

18%

$100–150k

17%

$150–200k

$200k+

17%

Median household income

28445

$84,016

Onslow Co.

$68,148

North Carolina

$72,388

United States

$80,734

Per capita income

$54,773

U.S. $44,673

Poverty rate

3.4%

U.S. 12.5%

Households earning $150K+

24.9%

U.S. 23%

Income inequality (Gini)

0.466

U.S. 0.483

Housing

Median home value

28445

$386,100

Onslow Co.

$236,400

North Carolina

$288,900

United States

$332,700

Median gross rent

28445

$1,151

Onslow Co.

$1,265

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

79%

2–4 units

5–19 units

20+ units

Mobile home

13%

Boat, RV, van

Housing units: 9,146
Owner-occupied: 83.1%
Vacant: 49.4%
Median year built: 2002
Median rooms: 5.6
Renters paying 30%+ of income: 50.1%
Renters paying 50%+ of income: 20.3%
Home value to income: 4.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

62%

Carpooled

Transit

Walked

0.8%

Bicycle

0.3%

Worked from home

30%

Other

0.7%

Commute time (one way)

<10 min

10–19

26%

20–29

13%

30–44

32%

45–59

17%

60+

Average commute

28.5 min

U.S. 26.4 min

Unemployment

0.9%

U.S. 5.2%

In labor force

66.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

19%

Construction and repair

12%

Healthcare

10%

Transportation and moving

10%

Sales

Office and admin

Education

Business and finance

Food service

Cleaning and personal care

Engineering and science

Arts, media and sports

Computer and math

Production

Legal and social services

Farming, fishing and forestry

0.2%

Police and fire

Industries

Health care and social assistance

13%

Professional and technical services

12%

Construction

10%

Manufacturing

Restaurants and hotels

Education

Finance, insurance and real estate

Transportation, warehousing and utilities

Retail

Admin, support and management

Other services

Wholesale

Information

Arts and recreation

Public administration

Agriculture and mining

Median earnings per worker

$57,012

U.S. $49,666

Self-employed

16.8%

U.S. 10%

Government workers

9.3%

U.S. 14.5%

Nonprofit workers

5.7%

U.S. 8.8%

Median earnings by type of work

Type of work	28445	U.S.
Management, business, science and arts	$80,469	$74,888
Service	$33,500	$26,804
Sales and office	$47,656	$40,476
Construction and maintenance	$60,369	$49,199
Production and transportation	$53,942	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

16%

Some college

24%

Associate's

Bachelor's

29%

Graduate

17%

High school graduate or higher: 93.9%
Bachelor's degree or higher: 45.6%
Graduate or professional degree: 16.8%
Households with broadband: 94.2%
Cable, fiber or DSL: 79.6%
No internet access: 5.1%
Without health insurance: 12.9%
Limited-English households: 0.1%

Geography

City (USPS): Holly Ridge
State: North Carolina
County: Onslow County
Center point: 34.5288° N, 77.5358° W
Land area: 104 sq mi
Water area: 5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

28445 spans 2 counties

Onslow County91% of land
Pender County9% of land

Cities and towns within this zip

Surf City5% of zip
Topsail Beach4% of zip
Holly Ridge4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 28445

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
28460	Sneads Ferry, NC	6.8 mi	13,532	$88,908	$343,600
28443	Hampstead, NC	9.5 mi	28,416	$90,477	$391,900
28454	Maple Hill, NC	12 mi	2,895	$73,015	$209,400
28547	Camp Lejeune, NC	14 mi	21,346	$67,588	—
28541	Jacksonville, NC · PO box	14 mi	—	—	—
28545	McCutcheon Field, NC · PO box	14 mi	—	—	—
28542	Camp Lejeune, NC	15 mi	3,508	$125,491	—
28540	Jacksonville, NC	15 mi	49,141	$65,625	$223,800
28543	Tarawa Terrace, NC	16 mi	6,069	$50,649	—
28544	Midway Park, NC	18 mi	4,386	$52,354	$141,700
28457	Rocky Point, NC	20 mi	11,464	$78,178	$245,900
28539	Hubert, NC	21 mi	18,351	$66,976	$230,200

Zip codes like 28445 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 28445

What city is zip code 28445?

28445 is assigned to Holly Ridge, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28445 in?

28445 is mostly in Onslow County, but it extends into 1 other county.

What is the population of 28445?

About 10,797 people live in 28445, according to the Census Bureau's American Community Survey.

What time zone is 28445 in?

28445 is in Eastern Time.

What is the median household income in 28445?

The median household income in 28445 is $84,016.

What zip codes are near 28445?

The closest zip codes to 28445 are 28460, 28443, 28454, 28547, 28541.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28445, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.