28445 ZIP Code — Holly Ridge, NC

Onslow County, North Carolina

ZIP code 28445 is located in Holly Ridge, North Carolina, within Onslow County. It covers approximately 103.75 square miles and serves a population of 9,675 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 910.

About ZIP code 28445

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $288,000. Owner-occupancy is high at 77%, well above the national average.

Median household income is $79,720.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.

Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.

Overall, ZIP code 28445 reflects a community defined by a strong veteran community and high homeownership.

9,675

population

103.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28445 ZIP code map

Cities in ZIP code 28445

Below are the cities the US Postal Service accepts for ZIP code 28445. Using any city not on this list may result in mail delivery delays.

City	Status
Holly Ridge	Acceptable
Holly Ridge	Acceptable
Holly Ridge	Preferred

Nearby ZIP codes

28460 Sneads Ferry (6.9 mi) 28443 Hampstead (8.2 mi) 28454 Maple Hill (14.4 mi) 28545 Mccutcheon Field (16.4 mi) 28540 Jacksonville (16.7 mi) 28543 Tarawa Terrace (19.4 mi) 28411 Wilmington (19.8 mi) 28457 Rocky Point (19.8 mi)

Demographics updated 05/2026

Population
Total population	9,675
Population density	93 / sq mi
State FIPS	37
County FIPS	133

Geography
Land area	103.75 sq mi
Water area	4.96 sq mi
Latitude	34.4912
Longitude	-77.5449
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	33.5%	48.2%	44.4%
$50k – $100k	38.3%	33.9%	30.6%
$100k – $200k	21.2%	15.6%	19.1%
Over $200k	7.0%	2.2%	6.0%

Demographics & statistics

9,675

Population

People per sq mi

35.6

Median age

$79,720

Median household income

$42,793

Per capita income

$288,000

Median home value

$1,373

Median monthly rent

77.2%

Home ownership

7.8%

Poverty rate

0.9%

Unemployment

7,499

Housing units

40.6%

Bachelor's or higher

Age distribution

Male Female

409

Under 5

393

399

5–9

385

225

10–14

217

189

15–19

181

228

20–24

220

912

25–34

877

696

35–44

669

429

45–54

412

252

55–59

242

356

60–64

343

591

65–74

569

192

75–84

184

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,360	24.4%
18 and over	7,315	75.6%
65 and over	1,641	17.0%
Median age	35.6 years

Race & ethnicity

White 89.4%

Two or more races 4.6%

Black or African American 2.6%

Hispanic or Latino 2.3%

American Indian / Alaska Native 0.5%

Asian 0.4%

Other race 0.3%

Group	Count	%
White	8,845	89.4%
Two or more races	456	4.6%
Black or African American	258	2.6%
Hispanic or Latino	223	2.3%
American Indian / Alaska Native	53	0.5%
Asian	35	0.4%
Other race	28	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.5%	48.2%	44.4%
$50k – $100k	38.3%	33.9%	30.6%
$100k – $200k	21.2%	15.6%	19.1%
Over $200k	7.0%	2.2%	6.0%

Under $10k 4.0%

$10k–$15k 0.9%

$15k–$25k 10.6%

$25k–$35k 7.2%

$35k–$50k 10.5%

$50k–$75k 12.6%

$75k–$100k 15.1%

$100k–$150k 21.4%

$150k–$200k 5.9%

$200k+ 11.9%

Range	% of households
Under $10k	4.0%
$10k–$15k	0.9%
$15k–$25k	10.6%
$25k–$35k	7.2%
$35k–$50k	10.5%
$50k–$75k	12.6%
$75k–$100k	15.1%
$100k–$150k	21.4%
$150k–$200k	5.9%
$200k+	11.9%
Median income	$79,720

Housing

Home values

Under $50k 2.8%

$50k–$100k 2.4%

$100k–$150k 9.4%

$150k–$200k 7.2%

$200k–$300k 32.0%

$300k–$500k 20.8%

$500k–$1M 23.0%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$288,000
Median rent / month	$1,373
Owner occupied	77.2%
Renter occupied	22.8%
Vacant	53.6%
Single-family detached	67.5%
Large apartment buildings	2.2%
Mobile homes	16.9%
Median rooms	5.3
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	2.3%
2010–2019	22.6%
2000–2009	25.8%
1990–1999	16.4%
1980–1989	13.5%
1970–1979	7.2%
1960–1969	5.2%
1950–1959	5.3%
1940–1949	1.4%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	2.5%
2 bedrooms	16.1%
3 bedrooms	45.9%
4 bedrooms	31.5%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	26.9%
2 vehicles	45.1%
3 or more	26.0%

Heating fuel

Fuel type	%
Utility gas	1.2%
Electricity	95.2%
Propane / LP gas	1.4%
Fuel oil	1.6%
Solar	0.3%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,144	55.0%
Cohabiting couple	326	8.4%
Male householder, no spouse	573	14.7%
Female householder, no spouse	852	21.9%
Households with children under 18	1,160	29.8%
Households with seniors (65+)	1,254	32.2%
Average household size	2.48

Marital status

Status	Male	Female
Never married	21.4%	12.2%
Married	62.1%	63.3%
Separated	0.0%	0.6%
Widowed	1.1%	9.3%
Divorced	15.4%	14.5%

Education

Less than 9th grade 1.2%

Some HS, no diploma 7.7%

HS graduate 19.9%

Some college, no degree 22.8%

Associate's degree 7.9%

Bachelor's degree 24.2%

Graduate / professional 16.4%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	40.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	241	10.6%
Kindergarten	155	6.8%
Elementary school	1,045	46.1%
High school	421	18.6%
College / grad school	407	17.9%

Employment

Industry of employment

Education & healthcare 20.7%

Professional & management 16.6%

Construction 13.2%

Arts, food & hospitality 9.2%

Retail trade 7.7%

Transportation & utilities 6.1%

Manufacturing 6.0%

Other services 5.3%

Finance & real estate 4.6%

Public administration 4.0%

Wholesale trade 2.5%

Information 2.1%

Agriculture & mining 1.9%

Occupation

Category	%
Management, business & arts	42.0%
Service	15.3%
Sales & office	17.0%
Natural resources & construction	13.9%
Production & transportation	11.9%

Employment type

Type	%
Private sector	81.2%
Government	13.6%
Self-employed	5.1%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	73.6%
Carpool	4.5%
Public transit	0.0%
Walk	0.9%
Work from home	20.0%
Other means	0.9%
Avg commute (minutes)	31.2

Poverty

All people 7.8%

Under 18 years 16.0%

18 and over 5.2%

Married-couple families 3.3%

Female-led households 15.3%

Income support

Source	% of households
Social Security	28.5%
Retirement income	27.5%
Supplemental Security	1.5%
Cash public assistance	0.5%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	27.6%
High blood pressure	29.5%
High cholesterol	33.7%
Diabetes	8.0%
Heart disease	5.5%
Stroke	2.4%
Asthma	8.3%
Arthritis	22.3%
Kidney disease	2.4%
Pulmonary disease	5.4%
Cancer	6.3%

Behavior / access	%
Smoking	15.0%
Binge drinking	18.6%
No physical activity	17.2%
Less than 7 hrs sleep	32.8%
Depression	22.6%
Fair or poor health	10.0%
Poor mental health	13.4%
Poor physical health	8.4%
No health insurance	13.8%
Visited doctor (checkup)	77.2%
Visited dentist	71.7%
Cholesterol screening	89.3%
Teeth loss	9.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,020	15.0%

Disability	%
Any disability	9.9%
Under 18	5.0%
18–64 years	7.0%
65 and over	26.3%

Health insurance coverage

Type	%
Private insurance	73.2%
Public insurance	29.8%
No insurance	11.3%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,873	91.7%
Spanish	13	0.1%
Other Indo-European	4	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	8	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,439	97.6%
Born in same state	9,368	96.8%
Born in different state	4,075	42.1%
Foreign born	71	0.7%
Naturalized citizen	236	2.4%
Not a US citizen	91	38.6%

Ancestry

Ancestry	Count	%
Italian	2,037	21.1%
French	1,168	12.1%
Arab	649	6.7%
English	206	2.1%
Irish	197	2%

Ancestry	Count	%
Polish	33	0.3%
Norwegian	16	0.2%
German	11	0.1%
Dutch	5	0.1%

Technology access

Metric	% of households
Computer access	40.3%
Internet access	95.8%

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

Frequently asked questions about ZIP code 28445

What city is ZIP code 28445 in?

ZIP code 28445 is primarily assigned to Holly Ridge, North Carolina.

What county is ZIP code 28445 in?

ZIP code 28445 falls within Onslow County, North Carolina.

Does ZIP code 28445 have a large veteran population?

15% of civilians in ZIP code 28445 are veterans, above the national average of ~7%.

What is the population of ZIP code 28445?

ZIP code 28445 has an estimated population of 9,675 residents, with a density of 93 people per square mile.

What is the typical home value in ZIP code 28445?

The median home value in ZIP code 28445 is $288,000.

What is the median household income in ZIP code 28445?

The median household income in ZIP code 28445 is $79,720, above the national median of ~$75,000.

What timezone is ZIP code 28445 in?

ZIP code 28445 observes the EST timezone.