28445 Zip Code Detailed Profile




Cities: Surf City, NC (12.09%), Holly Ridge, NC (6.61%), Topsail Beach, NC (3.41%), North Topsail Beach, NC (1.17%)
Counties: Onslow County, NC (85.00%), Pender County, NC (15.00%)
Estimated zip code population in 2013: 6,412
Zip code population in 2010: 5,676
Zip code population in 2000: 4,606

Houses and condos: 6,445
Renter-occupied apartments: 960
% of renters here:

36%
State:

36%
Mar. 2013 cost of living index in zip code 28445: 85.5 (less than average, U.S. average is 100)

Land area: 53.1 sq. mi.
Water area: 4.0 sq. mi.
Population density: 121 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 28445
Zip code 28445 (Surf City, North Carolina) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 28445

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Real estate property taxes paid for housing units in 2013:
This zip code:

0.7% ($1,466)
North Carolina:

0.8% ($1,304)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,511 (0.7%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,234 (0.7%)

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Males: 3,342  (52.1%)
Females: 3,070  (47.9%)

For population 25 years and over in 28445:

For population 15 years and over in 28445:

Zip code 28445 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Foreign-born population percentage significantly below state average.
  • Races in zip code 28445

  • Zip code 28445 races chart
    • 5,154White population
    • 166Black population
    • 32American Indian population
    • 38Asian population
    • 8Native Hawaiian and Other Pacific Islander population
    • 3Some other race population
    • 94Two or more races population
    • 181Hispanic or Latino population

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Data:
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Based on 2000-2013 data
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123
Hide US histogram

100% rural population.

Estimated median house/condo value in 2013: $199,200
28445:

$199,200
North Carolina:

$154,300



According to our research of North Carolina and other state lists there was 1 registered sex offender living in 28445 zip code as of June 28, 2016.
The ratio of number of residents in zip code 28445 to the number of sex offenders is 2,966 to 1.


Median resident age:
This zip code:

36.4 years
North Carolina median age:

37.9 years
Average household size:
This zip code:

2.4 people
North Carolina:

2.5 people

Averages for the 2012 tax year for zip code 28445, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $49,982 (Individual Income Tax Returns)
Here:

$49,982
State:

$54,937

Salary/wage: $43,015 (reported on 80.2% of returns)
Here:

$43,015
State:

$46,336
(% of AGI for various income ranges: 69.4% for AGIs below $25k, 79.9% for AGIs $25k-50k, 75.9% for AGIs $50k-75k, 70.8% for AGIs $75k-100k, 62.7% for AGIs $100k-200k, 55.2% for AGIs over 200k)

Taxable interest for individuals: $1,530 (reported on 35.1% of returns)
This zip code:

$1,530
North Carolina:

$1,298
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.8% for AGIs $100k-200k, 2.8% for AGIs over 200k)

Ordinary dividends: $3,300 (reported on 18.0% of returns)
Here:

$3,300
State:

$6,213
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 0.8% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 1.5% for AGIs $100k-200k, 0.9% for AGIs over 200k)

Net capital gain/loss in AGI: +$7,790 (reported on 14.7% of returns)
Here:

+$7,790
State:

+$12,740
(% of AGI for various income ranges: 0.7% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 3.0% for AGIs $100k-200k, 7.9% for AGIs over 200k)

Profit/loss from business: +$11,422 (reported on 17.1% of returns)
Here:

+$11,422
State:

+$10,311
(% of AGI for various income ranges: 9.3% for AGIs below $25k, 2.7% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 4.3% for AGIs $100k-200k, 4.7% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $14,458 (reported on 9.7% of returns)
28445:

$14,458
North Carolina:

$15,575
(% of AGI for various income ranges: 3.3% for AGIs below $25k, 2.0% for AGIs $25k-50k, 2.9% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 5.1% for AGIs $100k-200k)

Total itemized deductions: $22,170 (25% of AGI, reported on 32.7% of returns)
Here:

$22,170
State:

$23,438

Here:

24.9% of AGI
State:

21.5% of AGI
(% of AGI for various income ranges: 12.7% for AGIs below $25k, 12.6% for AGIs $25k-50k, 13.6% for AGIs $50k-75k, 13.9% for AGIs $75k-100k, 17.2% for AGIs $100k-200k, 16.0% for AGIs over 200k)

Charity contributions: $3,017 (reported on 24.5% of returns)
Here:

$3,017
State:

$4,687
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 0.9% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 1.7% for AGIs $100k-200k, 1.9% for AGIs over 200k)

Taxes paid: $8,059 (reported on 32.2% of returns)
28445:

$8,059
State:

$8,823
(% of AGI for various income ranges: 2.4% for AGIs below $25k, 2.5% for AGIs $25k-50k, 3.8% for AGIs $50k-75k, 5.0% for AGIs $75k-100k, 6.5% for AGIs $100k-200k, 10.0% for AGIs over 200k)

Earned income credit: $2,117 (reported on 19.5% of returns)
Here:

$2,117
State:

$2,376
(% of AGI for various income ranges: 6.4% for AGIs below $25k, 0.9% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 53.1%
Here:

53%
State:

53%
(% for various income ranges: 52.3% for AGIs below $25k, 45.8% for AGIs $25k-50k, 55.1% for AGIs $50k-75k, 59.3% for AGIs $75k-100k, 66.7% for AGIs $100k-200k, 75.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 28445, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $50,120 (Individual Income Tax Returns)
Here:

$50,120
State:

$45,376

Salary/wage: $31,670 (reported on 75.2% of returns)
Here:

$31,670
State:

$39,442
(% of AGI for various income ranges: 128.0% for AGIs below $10k, 67.1% for AGIs $10k-25k, 69.5% for AGIs $25k-50k, 60.4% for AGIs $50k-75k, 56.2% for AGIs $75k-100k, 26.8% for AGIs over 100k)

Taxable interest for individuals: $1,656 (reported on 43.6% of returns)
This zip code:

$1,656
North Carolina:

$1,515
(% of AGI for various income ranges: 5.5% for AGIs below $10k, 2.2% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 1.4% for AGIs over 100k)

Taxable dividends: $2,804 (reported on 22.2% of returns)
Here:

$2,804
State:

$4,016
(% of AGI for various income ranges: 2.3% for AGIs below $10k, 1.2% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 0.8% for AGIs over 100k)

Net capital gain/loss: +$28,409 (reported on 20.2% of returns)
Here:

+$28,409
State:

+$11,152
(% of AGI for various income ranges: -0.6% for AGIs below $10k, 0.8% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 6.8% for AGIs $75k-100k, 21.6% for AGIs over 100k)

Profit/loss from business: +$15,230 (reported on 23.2% of returns)
Here:

+$15,230
State:

+$9,490
(% of AGI for various income ranges: 22.5% for AGIs below $10k, 9.9% for AGIs $10k-25k, 4.8% for AGIs $25k-50k, 7.1% for AGIs $50k-75k, 5.6% for AGIs $75k-100k, 7.2% for AGIs over 100k)

IRA payment deduction: $3,371 (reported on 3.2% of returns)
28445:

$3,371
North Carolina:

$2,967
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.2% for AGIs over 100k)

Self-employed pension: $19,056 (reported on 0.8% of returns)
Here:

$19,056
North Carolina:

$14,754

Total itemized deductions: $19,743 (20% of AGI, reported on 33.4% of returns)
Here:

$19,743
State:

$19,464

Here:

20.2% of AGI
State:

22.7% of AGI
(% of AGI for various income ranges: 22.8% for AGIs below $10k, 11.7% for AGIs $10k-25k, 15.6% for AGIs $25k-50k, 17.5% for AGIs $50k-75k, 18.8% for AGIs $75k-100k, 9.5% for AGIs over 100k)

Charity contributions deductions: $3,030 (3% of AGI, reported on 28.4% of returns)
Here:

$3,030
State:

$4,035

Here:

2.7% of AGI
State:

4.5% of AGI
(% of AGI for various income ranges: 0.8% for AGIs below $10k, 1.0% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 1.6% for AGIs over 100k)

Total tax: $8,299 (reported on 75.3% of returns)
28445:

$8,299
State:

$7,257
(% of AGI for various income ranges: 5.3% for AGIs below $10k, 4.4% for AGIs $10k-25k, 6.6% for AGIs $25k-50k, 9.5% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 17.9% for AGIs over 100k)

Earned income credit: $1,740 (reported on 18.8% of returns)
Here:

$1,740
State:

$1,851

Percentage of individuals using paid preparers for their 2004 taxes: 67.6%
Here:

68%
State:

62%
(% for various income ranges: 60.9% for AGIs below $10k, 69.0% for AGIs $10k-25k, 67.7% for AGIs $25k-50k, 70.4% for AGIs $50k-75k, 67.1% for AGIs $75k-100k, 75.9% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$56,598
North Carolina:

$45,906
Surf City, NC (28445) map Nearest zip codes: 28443, 28460, 28454, 28547, 28540, 28411.
Percentage of family households:
This zip code:

45.3%
North Carolina:

50.2%
Percentage of households with unmarried partners:
This zip code:

4.2%
North Carolina:

5.4%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 164
Household did not receive Food Stamps/SNAP in the past 12 months: 2,535


Women who had a birth in the past 12 months: 164 (164 now married, 0 unmarried)
Women who did not have a birth in the past 12 months: 1,189 (614 now married, 575 unmarried)


Housing units in zip code 28445 with a mortgage: 1,219 (19 second mortgage, 118 home equity loan, 5 both second mortgage and home equity loan)
Houses without a mortgage: 520

Median monthly owner costs for units with a mortgage: $1,360
Median monthly owner costs for units without a mortgage: S460

Residents with income below the poverty level in 2013:
This zip code:

14.7%
Whole state:

17.9%
Residents with income below 50% of the poverty level in 2013:
This zip code:

6.1%
Whole state:

10.0%
Median number of rooms in houses and condos:
Here:

5.8
State:

6.3
Median number of rooms in apartments:
Here:

5.0
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 28445: Morris Landing (A), Sears Landing (B), Surf City Police Department (C), Topsail Beach Police Department (D), Holly Ridge Police Department (E). Display/hide their locations on the map

    Churches in zip code 28445 include: Providence Church (A), New Life Christian Center (B), Holly Ridge Church of God (C), Stump Sound Church (D), Folkstone Free Will Baptist Church (E). Display/hide their locations on the map

    Reservoir: Yow-Williams Pond (A). Display/hide its location on the map

    Streams, rivers, and creeks: Cypress Branch (A), County Line Branch (B), Big Shakey Swamp (C), Flat Swamp (D), Old Mill Creek (E), Kings Creek (F). Display/hide their locations on the map

Year house built

  • 702010 or later
  • 1,7752000 to 2009
  • 1,1871990 to 1999
  • 1,4401980 to 1989
  • 8201970 to 1979
  • 4711960 to 1969
  • 5191950 to 1959
  • 1021940 to 1949
  • 611939 or earlier

Zip code 28445 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Surf City, NC (28445)

  • 0no bedroom
  • 101 bedroom
  • 2512 bedrooms
  • 1,1533 bedrooms
  • 2714 bedrooms
  • 545+ bedrooms

Bedrooms in renter-occupied apartments in Surf City, NC (28445)

  • 4no bedroom
  • 411 bedroom
  • 2082 bedrooms
  • 4063 bedrooms
  • 2304 bedrooms
  • 715+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Surf City, NC (28445) in owner-occupied houses/condos

  • 60no vehicle
  • 4561 vehicle
  • 8392 vehicles
  • 2053 vehicles
  • 1434 vehicles
  • 365+ vehicles

Cars and other vehicles available in Surf City, NC (28445) in renter-occupied apartments

  • 30no vehicle
  • 4471 vehicle
  • 3502 vehicles
  • 713 vehicles
  • 194 vehicles
  • 435+ vehicles

Median gross rent in 2013: $1,194.


Median price asked for vacant for-sale houses and condos in 2013: $258,237.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $199,200
28445:

$199,200
North Carolina:

$154,300
Lower value quartile - upper value quartile: $119,300 - $356,600

Mean price in 2013:

Detached houses: $290,655
Here:

$290,655
State:

$219,576

Townhouses or other attached units: $266,800
Here:

$266,800
State:

$173,086

In 2-unit structures: $487,777
Here:

$487,777
State:

$165,738

Mobile homes: $87,623
Here:

$87,623
State:

$64,697

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 9.1%

Percentage of zip code residents living and working in this county: 49.5%

Household type by relationship:

Households: 6,398

Size of family households: 1,087 2-persons, 366 3-persons, 141 4-persons, 81 5-persons, 80 6-persons, 10 7-or-more-persons

Size of nonfamily households: 752 1-person, 131 2-persons, 51 3-persons

897 married couples with children.
186 single-parent households (62 men, 124 women).

97.4% of residents of 28445 zip code speak English at home.
0.9% of residents speak Spanish at home (50% very well, 24% well, 22% not well, 4% not at all).
1.3% of residents speak other Indo-European language at home (95% very well, 5% well).
0.1% of residents speak Asian or Pacific Island language at home (100% very well).
0.4% of residents speak other language at home (62% very well, 38% well).

Foreign born population: 171 (2.7%)
(69.6% of them are naturalized citizens)
This zip code:

2.7%
Whole state:

7.6%

Most common places of birth for the foreign-born residents

  • 26%Honduras
  • 20%United Kingdom, excluding England and Scotland
  • 13%Germany
  • 10%Iran
  • 8%Turkey
  • 5%Hungary
  • 5%Israel

Most common first ancestries reported in 28445 (%)

  • 12%German
  • 11%Irish
  • 11%Other groups
  • 8%English
  • 8%American
  • 8%Italian
  • 4%Scottish

Year of entry for the foreign-born population

  • 02010 or later
  • 552000 to 2009
  • 61990 to 1999
  • 173Before 1990

Zip code 28445 topographic map

Facilities with environmental interests located in this zip code:


Zip code 28445 marital status for males
Zip code 28445 marital status for females

Housing units lacking complete plumbing facilities: 3.0%
Housing units lacking complete kitchen facilities: 1.7%

Most commonly used house heating fuel

  • 91%Electricity
  • 5%Bottled, tank, or LP gas
  • 1%Fuel oil, kerosene, etc.
  • 1%Utility gas
  • 1%Wood

Population in 1990: 1,279. Population change in the 1990s: +3,327 (+260.1%).

Place of birth for U.S.-born residents:


48% of the 28445 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 35% lived in this county.
   Out of people who lived in different counties, 50% lived in North Carolina.

80% of the 28445 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 22% moved from this county.
   Out of people who lived in different houses, 18% moved from different county within same state.
   Out of people who lived in different houses, 50% moved from different state.
   Out of people who lived in different houses, 10% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 138
Here:

28.2%
North Carolina:

9.3%
Students in private schools in grades 9 to 12 (high school): 55
Here:

18.8%
North Carolina:

7.7%
Students in private undergraduate colleges: 50
Here:

15.6%
North Carolina:

17.3%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 102,969Computer and mathematical occupations
  • 77,227Architecture and engineering occupations
  • 62,174Life, physical, and social science occupations
  • 57,500Health diagnosing and treating practitioners and other technical occupations
  • 56,875Fire fighting and prevention, and other protective service workers including supervisors
  • 56,056Business and financial operations occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 3 people in other noninstitutional facilities

People in group quarters in 2000:

  • 33 people in other noninstitutional group quarters

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 3
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 1
  • Persons involved in fatal accidents: 8
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 28 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED261$200,077238$240,918789$225,23724$163,785444$265,28162$93,632
APPLICATIONS APPROVED, NOT ACCEPTED7$165,01418$251,83572$223,0160$042$258,0875$106,236
APPLICATIONS DENIED29$200,11862$210,421347$244,23520$181,134166$270,50137$95,268
APPLICATIONS WITHDRAWN20$189,16353$248,840205$221,17810$135,407113$247,99617$102,076
FILES CLOSED FOR INCOMPLETENESS1$345,96012$276,88555$268,5110$021$242,4856$101,760

Detailed HMDA statistics for the following Tracts: 0004.00 , 9801.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 28 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED17$230,5799$229,1576$214,572
APPLICATIONS APPROVED, NOT ACCEPTED7$166,6630$03$87,573
APPLICATIONS DENIED2$131,5353$394,5932$214,715
APPLICATIONS WITHDRAWN1$299,1400$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$00$0

Detailed PMIC statistics for the following Tracts: 0004.00 , 9801.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 28445 among deceased individuals
NameCountLived (average)
James3569.0 years
William3071.5 years
John2469.7 years
Robert1974.8 years
Charles1868.0 years
Mary1569.1 years
Ruth1176.1 years
Helen1076.5 years
David1060.7 years
Mildred1083.1 years
Most common last names in zip code 28445 among deceased individuals
Last nameCountLived (average)
Howard1580.4 years
Hines1473.4 years
Henderson1177.9 years
Padgett1174.6 years
Johnson1163.3 years
Ottaway982.9 years
Hobbs971.6 years
Parker973.1 years
Smith969.1 years
Sanders982.8 years
Businesses in zip code 28445
NameCountNameCount
Ace Hardware1FedEx2
CVS1H&R Block1
Curves1RadioShack1
Dairy Queen1Subway1
Domino's Pizza1UPS3
Dunkin Donuts1Vans1

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