28431 ZIP Code — Chadbourn, NC

Columbus County, North Carolina

ZIP code 28431 is located in Chadbourn, North Carolina, within Columbus County. It covers approximately 78.49 square miles and serves a population of 6,509 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 910.

About ZIP code 28431

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $102,800. Owner-occupancy sits near the national average at 68%.

Median household income is $31,714. Poverty affects 36% of residents, above the national average. SNAP benefit usage at 30% of households reflects economic stress in the area. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with manufacturing as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (45%), diabetes (16%), smoking (26%) compared to national benchmarks.

Overall, ZIP code 28431 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

6,509

population

78.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28431 ZIP code map

Cities in ZIP code 28431

Below are the cities the US Postal Service accepts for ZIP code 28431. Using any city not on this list may result in mail delivery delays.

City	Status
Chadbourn	Preferred

Nearby ZIP codes

28430 Cerro Gordo (5.1 mi) 28438 Evergreen (6.4 mi) 28439 Fair Bluff (9.8 mi) 28432 Clarendon (10.8 mi) 28472 Whiteville (12.4 mi) 28369 Orrum (12.7 mi) 29545 Green Sea (12.8 mi) 28442 Hallsboro (14.5 mi) 28433 Clarkton (16.2 mi) 28463 Tabor City (16.5 mi) 29581 Nichols (16.9 mi) 28320 Bladenboro (17.2 mi)

Demographics updated 05/2026

Population
Total population	6,509
Population density	83 / sq mi
State FIPS	37
County FIPS	047

Geography
Land area	78.49 sq mi
Water area	0.19 sq mi
Latitude	34.3268
Longitude	-78.8492
Timezone	Eastern (ET)
Area code	910

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.5%	59.3%	44.4%
$50k – $100k	21.4%	27.0%	30.6%
$100k – $200k	13.0%	11.8%	19.1%
Over $200k	1.1%	1.9%	6.0%

Demographics & statistics

6,509

Population

People per sq mi

47.6

Median age

$31,714

Median household income

$21,643

Per capita income

$102,800

Median home value

$677

Median monthly rent

68.1%

Home ownership

36.4%

Poverty rate

2.5%

Unemployment

2,499

Housing units

12.4%

Bachelor's or higher

Age distribution

Male Female

253

Under 5

260

110

5–9

112

144

10–14

147

305

15–19

312

206

20–24

211

345

25–34

353

193

35–44

197

468

45–54

481

245

55–59

252

307

60–64

315

373

65–74

383

212

75–84

218

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,384	21.3%
18 and over	5,125	78.7%
65 and over	1,293	19.9%
Median age	47.6 years

Race & ethnicity

White 60%

Black or African American 34.1%

American Indian / Alaska Native 2.3%

Two or more races 2.1%

Asian 1.2%

Hispanic or Latino 0.3%

Group	Count	%
White	3,921	60%
Black or African American	2,224	34.1%
American Indian / Alaska Native	147	2.3%
Two or more races	139	2.1%
Asian	78	1.2%
Hispanic or Latino	22	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.5%	59.3%	44.4%
$50k – $100k	21.4%	27.0%	30.6%
$100k – $200k	13.0%	11.8%	19.1%
Over $200k	1.1%	1.9%	6.0%

Under $10k 11.9%

$10k–$15k 12.6%

$15k–$25k 14.4%

$25k–$35k 14.9%

$35k–$50k 14.1%

$50k–$75k 12.5%

$75k–$100k 8.0%

$100k–$150k 5.1%

$150k–$200k 3.8%

$200k+ 2.7%

Range	% of households
Under $10k	11.9%
$10k–$15k	12.6%
$15k–$25k	14.4%
$25k–$35k	14.9%
$35k–$50k	14.1%
$50k–$75k	12.5%
$75k–$100k	8.0%
$100k–$150k	5.1%
$150k–$200k	3.8%
$200k+	2.7%
Median income	$31,714

Housing

Home values

Under $50k 25.4%

$50k–$100k 23.6%

$100k–$150k 18.8%

$150k–$200k 11.5%

$200k–$300k 12.0%

$300k–$500k 8.0%

$500k–$1M 0.6%

Housing overview

Metric	Value
Median home value	$102,800
Median rent / month	$677
Owner occupied	68.1%
Renter occupied	31.9%
Vacant	17.1%
Single-family detached	64.3%
Large apartment buildings	0.1%
Mobile homes	31.9%
Median rooms	5.4
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.0%
2010–2019	1.9%
2000–2009	9.4%
1990–1999	20.6%
1980–1989	15.8%
1970–1979	17.4%
1960–1969	11.4%
1950–1959	13.1%
1940–1949	3.9%
1939 or earlier	6.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	6.3%
2 bedrooms	28.2%
3 bedrooms	60.8%
4 bedrooms	3.8%
5+ bedrooms	0.9%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	29.8%
2 vehicles	45.1%
3 or more	19.1%

Heating fuel

Fuel type	%
Utility gas	3.3%
Electricity	67.6%
Propane / LP gas	24.3%
Fuel oil	3.4%
Wood	0.7%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	1,004	35.7%
Cohabiting couple	84	3.0%
Male householder, no spouse	858	30.5%
Female householder, no spouse	870	30.9%
Households with children under 18	722	25.6%
Households with seniors (65+)	1,110	39.4%
Average household size	2.31

Marital status

Status	Male	Female
Never married	39.8%	33.9%
Married	36.7%	36.9%
Separated	1.4%	1.6%
Widowed	8.6%	16.6%
Divorced	13.5%	10.9%

Education

Less than 9th grade 4.7%

Some HS, no diploma 10.9%

HS graduate 36.7%

Some college, no degree 22.8%

Associate's degree 12.5%

Bachelor's degree 8.5%

Graduate / professional 4.0%

Metric	%
HS diploma or higher	84.4%
Bachelor's or higher	12.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	0.4%
Kindergarten	45	3.4%
Elementary school	461	34.3%
High school	431	32.1%
College / grad school	400	29.8%

Employment

Industry of employment

Manufacturing 21.8%

Education & healthcare 16.0%

Arts, food & hospitality 14.9%

Retail trade 11.1%

Professional & management 11.1%

Transportation & utilities 8.0%

Construction 4.2%

Other services 3.6%

Public administration 3.0%

Finance & real estate 2.4%

Agriculture & mining 1.9%

Information 1.4%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	23.7%
Service	26.1%
Sales & office	15.4%
Natural resources & construction	9.1%
Production & transportation	25.7%

Employment type

Type	%
Private sector	82.5%
Government	11.3%
Self-employed	5.7%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	89.4%
Carpool	7.1%
Public transit	0.0%
Walk	1.7%
Work from home	0.5%
Other means	1.3%
Avg commute (minutes)	30.6

Poverty

All people 36.4%

Under 18 years 48.5%

18 and over 33.2%

Married-couple families 11.3%

Female-led households 69.9%

Income support

Source	% of households
Social Security	42.6%
Retirement income	17.6%
Supplemental Security	10.9%
Cash public assistance	2.3%
Food stamps / SNAP	29.8%

Health indicators

Condition	%
Obesity	44.8%
High blood pressure	43.6%
High cholesterol	36.4%
Diabetes	16.3%
Heart disease	9.2%
Stroke	5.4%
Asthma	10.9%
Arthritis	32.4%
Kidney disease	4.5%
Pulmonary disease	11.2%
Cancer	6.7%

Behavior / access	%
Smoking	25.8%
Binge drinking	13.0%
No physical activity	31.9%
Less than 7 hrs sleep	37.7%
Depression	25.0%
Fair or poor health	23.2%
Poor mental health	17.1%
Poor physical health	16.0%
No health insurance	22.9%
Visited doctor (checkup)	80.5%
Visited dentist	51.1%
Cholesterol screening	88.4%
Teeth loss	23.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	328	6.4%

Disability	%
Any disability	18.6%
Under 18	3.2%
18–64 years	18.0%
65 and over	36.7%

Health insurance coverage

Type	%
Private insurance	45.3%
Public insurance	54.8%
No insurance	12.7%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,996	92.1%
Spanish	78	1.3%
Other Indo-European	78	1.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,509	100.0%
Born in same state	6,509	100.0%
Born in different state	5,293	81.3%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	1,970	30.3%
French	349	5.4%

Ancestry	Count	%
Italian	185	2.8%

Technology access

Metric	% of households
Computer access	43.3%
Internet access	92.0%

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

Frequently asked questions about ZIP code 28431

What city is ZIP code 28431 in?

ZIP code 28431 is primarily assigned to Chadbourn, North Carolina.

What county is ZIP code 28431 in?

ZIP code 28431 falls within Columbus County, North Carolina.

What is the poverty rate in ZIP code 28431?

36% of residents in ZIP code 28431 live below the poverty line, above the national average.

How educated is the population of ZIP code 28431?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 28431 have a large retiree population?

43% of households in ZIP code 28431 receive Social Security income, suggesting a significant retiree or disability population.

What are the health statistics for ZIP code 28431?

Health data for ZIP code 28431 shows elevated rates of obesity (45%) and diabetes (16%) and smoking (26%) compared to national benchmarks.

What timezone is ZIP code 28431 in?

ZIP code 28431 observes the EST timezone.