28520 ZIP Code — Cedar Island, NC

Carteret County, North Carolina

ZIP code 28520 is located in Cedar Island, North Carolina, within Carteret County. It covers approximately 91.64 square miles and serves a population of 170 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 252.

170

population

91.64

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28520 ZIP code map

Cities in ZIP code 28520

Below are the cities the US Postal Service accepts for ZIP code 28520. Using any city not on this list may result in mail delivery delays.

City	Status
Cedar Island	Preferred

Nearby ZIP codes

28511 Atlantic (5.8 mi) 28577 Sealevel (6.6 mi) 28581 Stacy (9 mi) 28516 Beaufort (12.6 mi) 28524 Davis (14.7 mi) 28579 Smyrna (16 mi) 28553 Marshallberg (19.8 mi)

Demographics updated 05/2026

Population
Total population	170
Population density	2 / sq mi
State FIPS	37
County FIPS	031

Geography
Land area	91.64 sq mi
Water area	105.34 sq mi
Latitude	34.9723
Longitude	-76.3352
Timezone	Eastern (ET)
Area code	252

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.6%	44.5%	44.4%
$50k – $100k	35.2%	32.2%	30.6%
$100k – $200k	8.2%	18.6%	19.1%
Over $200k	0.0%	4.8%	6.0%

Demographics & statistics

170

Population

People per sq mi

63.4

Median age

$66,625

Median household income

$44,745

Per capita income

$192,700

Median home value

Median monthly rent

70.3%

Home ownership

4.7%

Poverty rate

0.0%

Unemployment

148

Housing units

9.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

25–34

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	6	3.5%
18 and over	164	96.5%
65 and over	70	41.2%
Median age	63.4 years

Race & ethnicity

White 97.1%

Two or more races 2.9%

Group	Count	%
White	165	97.1%
Two or more races	5	2.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.6%	44.5%	44.4%
$50k – $100k	35.2%	32.2%	30.6%
$100k – $200k	8.2%	18.6%	19.1%
Over $200k	0.0%	4.8%	6.0%

Under $10k 7.2%

$15k–$25k 8.1%

$25k–$35k 22.5%

$50k–$75k 15.3%

$75k–$100k 29.7%

$100k–$150k 12.6%

$200k+ 4.5%

Range	% of households
Under $10k	7.2%
$15k–$25k	8.1%
$25k–$35k	22.5%
$50k–$75k	15.3%
$75k–$100k	29.7%
$100k–$150k	12.6%
$200k+	4.5%
Median income	$66,625

Housing

Home values

$50k–$100k 3.8%

$150k–$200k 55.1%

$200k–$300k 20.5%

$300k–$500k 14.1%

$500k–$1M 6.4%

Housing overview

Metric	Value
Median home value	$192,700
Median rent / month	$0
Owner occupied	70.3%
Renter occupied	29.7%
Vacant	38.7%
Single-family detached	95.0%
Large apartment buildings	0.0%
Mobile homes	5.0%
Median rooms	4.5
Avg household size (owned)	1.76

Year built

Era	%
2020 or later	0.0%
2010–2019	41.4%
2000–2009	6.1%
1990–1999	0.0%
1980–1989	0.0%
1970–1979	0.0%
1960–1969	9.9%
1950–1959	22.1%
1940–1949	1.7%
1939 or earlier	18.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	13.8%
2 bedrooms	44.8%
3 bedrooms	41.4%
4 bedrooms	0.0%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	45.9%
2 vehicles	33.3%
3 or more	20.7%

Heating fuel

Fuel type	%
Electricity	45.0%
Propane / LP gas	55.0%

Households & families

Household type	Count	%
Married-couple family	43	38.7%
Cohabiting couple	0	0.0%
Male householder, no spouse	33	29.7%
Female householder, no spouse	35	31.5%
Households with children under 18	3	2.7%
Households with seniors (65+)	70	63.1%
Average household size	1.53

Marital status

Status	Male	Female
Never married	21.6%	0.0%
Married	51.1%	53.9%
Separated	0.0%	0.0%
Widowed	10.2%	13.2%
Divorced	17.0%	32.9%

Education

Less than 9th grade 14.6%

Some HS, no diploma 0.0%

HS graduate 44.5%

Some college, no degree 25.6%

Associate's degree 5.5%

Bachelor's degree 0.0%

Graduate / professional 9.8%

Metric	%
HS diploma or higher	85.4%
Bachelor's or higher	9.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	3	50.0%
Kindergarten	0	0.0%
Elementary school	3	50.0%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Public administration 42.0%

Finance & real estate 22.0%

Agriculture & mining 20.0%

Transportation & utilities 16.0%

Occupation

Category	%
Management, business & arts	32.0%
Service	0.0%
Sales & office	0.0%
Natural resources & construction	36.0%
Production & transportation	32.0%

Employment type

Type	%
Private sector	22.0%
Government	58.0%
Self-employed	20.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.0%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	32.0%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 4.7%

Under 18 years 0.0%

18 and over 4.9%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	68.5%
Retirement income	73.9%
Supplemental Security	7.2%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	32.7%
High blood pressure	37.0%
High cholesterol	38.8%
Diabetes	11.3%
Heart disease	8.3%
Stroke	3.6%
Asthma	8.7%
Arthritis	30.6%
Kidney disease	3.3%
Pulmonary disease	8.2%
Cancer	8.3%

Behavior / access	%
Smoking	18.9%
Binge drinking	14.8%
No physical activity	22.0%
Less than 7 hrs sleep	31.2%
Depression	23.0%
Fair or poor health	13.6%
Poor mental health	13.3%
Poor physical health	11.1%
No health insurance	15.2%
Visited doctor (checkup)	79.4%
Visited dentist	67.6%
Cholesterol screening	92.2%
Teeth loss	13.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	41	25.0%

Disability	%
Any disability	43.5%
Under 18	0.0%
18–64 years	16.0%
65 and over	84.3%

Health insurance coverage

Type	%
Private insurance	61.8%
Public insurance	54.7%
No insurance	9.4%
Uninsured under 19	100.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	167	98.2%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	170	100.0%
Born in same state	170	100.0%
Born in different state	91	53.5%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	42	24.7%
Italian	32	18.8%

Ancestry	Count	%
German	10	5.9%
Arab	10	5.9%

Technology access

Metric	% of households
Computer access	65.3%
Internet access	92.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 28520

What city is ZIP code 28520 in?

ZIP code 28520 is primarily assigned to Cedar Island, North Carolina.

What county is ZIP code 28520 in?

ZIP code 28520 falls within Carteret County, North Carolina.

Does ZIP code 28520 have a large retiree population?

69% of households in ZIP code 28520 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 28520 have an older population?

41% of residents in ZIP code 28520 are 65 or older, above the national average of ~17%.

Does ZIP code 28520 have a large veteran population?

25% of civilians in ZIP code 28520 are veterans, above the national average of ~7%.

How educated is the population of ZIP code 28520?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 28520 in?

ZIP code 28520 observes the EST timezone.