28540 ZIP Code — Jacksonville, NC
Onslow County, North Carolina
ZIP code 28540 is located in Jacksonville, North Carolina, within Onslow County. It covers approximately 110.31 square miles and serves a population of 50,207 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 910.
About ZIP code 28540
The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $187,100. Owner-occupancy sits near the national average at 57%.
Median household income is $58,242.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.
Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (21%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 22% of civilians, above the national average of 7%.
50,207
population
110.31
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
28540 ZIP code map
Cities in ZIP code 28540
Below are the cities the US Postal Service accepts for ZIP code 28540. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Jacksonville | Acceptable |
| Jacksonville | Preferred |
Nearby ZIP codes
28545 Mccutcheon Field (2.9 mi)
28543 Tarawa Terrace (6.8 mi)
28546 Jacksonville (9.3 mi)
28574 Richlands (9.4 mi)
28544 Midway Park (10.5 mi)
28539 Hubert (14.4 mi)
28521 Chinquapin (14.8 mi)
28460 Sneads Ferry (15.6 mi)
28454 Maple Hill (16.2 mi)
28445 Holly Ridge (16.7 mi)
28555 Maysville (17.3 mi)
28518 Beulaville (17.8 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 50,207 |
| Population density | 455 / sq mi |
| State FIPS | 37 |
| County FIPS | 133 |
| Geography | |
|---|---|
| Land area | 110.31 sq mi |
| Water area | 2.46 sq mi |
| Latitude | 34.7295 |
| Longitude | -77.4984 |
| 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 | 50.8% | 48.2% | 44.4% |
| $50k – $100k | 33.8% | 33.9% | 30.6% |
| $100k – $200k | 14.0% | 15.6% | 19.1% |
| Over $200k | 1.4% | 2.2% | 6.0% |
Demographics & statistics
50,207
Population
455
People per sq mi
29.7
Median age
$58,242
Median household income
$29,512
Per capita income
$187,100
Median home value
$935
Median monthly rent
57.3%
Home ownership
14.6%
Poverty rate
6.1%
Unemployment
13,413
Housing units
23.9%
Bachelor's or higher
Age distribution
Male
Female
2,541
Under 5
2,171
2,098
5–9
1,794
1,399
10–14
1,195
1,890
15–19
1,616
3,668
20–24
3,135
4,302
25–34
3,676
3,537
35–44
3,024
2,311
45–54
1,975
1,232
55–59
1,053
1,084
60–64
926
1,924
65–74
1,644
799
75–84
682
286
85+
245
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 12,921 | 25.7% |
| 18 and over | 37,286 | 74.3% |
| 65 and over | 5,580 | 11.1% |
| Median age | 29.7 years | |
Race & ethnicity
White
63.9%
Black or African American
14.6%
Two or more races
11.8%
Hispanic or Latino
5.1%
Other race
2.3%
Asian
1.8%
American Indian / Alaska Native
0.4%
Native Hawaiian / Pacific Islander
0.1%
| Group | Count | % |
|---|---|---|
| White | 33,809 | 63.9% |
| Black or African American | 7,733 | 14.6% |
| Two or more races | 6,240 | 11.8% |
| Hispanic or Latino | 2,720 | 5.1% |
| Other race | 1,203 | 2.3% |
| Asian | 977 | 1.8% |
| American Indian / Alaska Native | 191 | 0.4% |
| Native Hawaiian / Pacific Islander | 54 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 50.8% | 48.2% | 44.4% |
| $50k – $100k | 33.8% | 33.9% | 30.6% |
| $100k – $200k | 14.0% | 15.6% | 19.1% |
| Over $200k | 1.4% | 2.2% | 6.0% |
Under $10k
4.6%
$10k–$15k
5.8%
$15k–$25k
6.5%
$25k–$35k
8.9%
$35k–$50k
16.1%
$50k–$75k
19.7%
$75k–$100k
16.1%
$100k–$150k
14.0%
$150k–$200k
4.7%
$200k+
3.6%
| Range | % of households |
|---|---|
| Under $10k | 4.6% |
| $10k–$15k | 5.8% |
| $15k–$25k | 6.5% |
| $25k–$35k | 8.9% |
| $35k–$50k | 16.1% |
| $50k–$75k | 19.7% |
| $75k–$100k | 16.1% |
| $100k–$150k | 14.0% |
| $150k–$200k | 4.7% |
| $200k+ | 3.6% |
| Median income | $58,242 |
Housing
Home values
Under $50k
6.8%
$50k–$100k
8.2%
$100k–$150k
15.7%
$150k–$200k
24.7%
$200k–$300k
33.2%
$300k–$500k
9.4%
$500k–$1M
1.7%
$1M+
0.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $187,100 |
| Median rent / month | $935 |
| Owner occupied | 57.3% |
| Renter occupied | 42.7% |
| Vacant | 12.5% |
| Single-family detached | 66.0% |
| Large apartment buildings | 2.7% |
| Mobile homes | 13.6% |
| Median rooms | 5.7 |
| Avg household size (owned) | 2.57 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 11.1% |
| 2000–2009 | 18.8% |
| 1990–1999 | 12.0% |
| 1980–1989 | 14.4% |
| 1970–1979 | 18.1% |
| 1960–1969 | 11.7% |
| 1950–1959 | 10.1% |
| 1940–1949 | 2.9% |
| 1939 or earlier | 0.8% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.5% |
| 1 bedroom | 5.2% |
| 2 bedrooms | 23.0% |
| 3 bedrooms | 53.1% |
| 4 bedrooms | 16.0% |
| 5+ bedrooms | 2.2% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.7% |
| 1 vehicle | 32.9% |
| 2 vehicles | 38.9% |
| 3 or more | 22.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 3.9% |
| Electricity | 91.1% |
| Propane / LP gas | 2.8% |
| Fuel oil | 0.3% |
| Wood | 0.6% |
| No fuel used | 1.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 9,840 | 52.6% |
| Cohabiting couple | 1,077 | 5.8% |
| Male householder, no spouse | 3,580 | 19.1% |
| Female householder, no spouse | 4,223 | 22.6% |
| Households with children under 18 | 7,591 | 40.6% |
| Households with seniors (65+) | 4,123 | 22.0% |
| Average household size | 2.55 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 35.1% | 21.5% |
| Married | 51.2% | 55.4% |
| Separated | 3.3% | 3.0% |
| Widowed | 1.7% | 7.9% |
| Divorced | 8.7% | 12.3% |
Education
Less than 9th grade
2.4%
Some HS, no diploma
6.5%
HS graduate
32.7%
Some college, no degree
22.7%
Associate's degree
11.7%
Bachelor's degree
16.7%
Graduate / professional
7.3%
| Metric | % |
|---|---|
| HS diploma or higher | 91.0% |
| Bachelor's or higher | 23.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 834 | 7.3% |
| Kindergarten | 866 | 7.6% |
| Elementary school | 4,751 | 41.6% |
| High school | 1,957 | 17.1% |
| College / grad school | 3,009 | 26.4% |
Employment
Industry of employment
Education & healthcare
20.8%
Retail trade
15.4%
Arts, food & hospitality
13.4%
Professional & management
9.8%
Construction
9.5%
Public administration
7.9%
Transportation & utilities
6.3%
Finance & real estate
5.8%
Other services
4.2%
Manufacturing
4.0%
Wholesale trade
1.7%
Information
0.8%
Agriculture & mining
0.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 31.1% |
| Service | 17.0% |
| Sales & office | 24.5% |
| Natural resources & construction | 13.4% |
| Production & transportation | 14.1% |
Employment type
| Type | % |
|---|---|
| Private sector | 70.4% |
| Government | 22.3% |
| Self-employed | 7.3% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 73.0% |
| Carpool | 11.7% |
| Public transit | 0.0% |
| Walk | 3.7% |
| Work from home | 7.1% |
| Other means | 4.5% |
| Avg commute (minutes) | 22.9 |
Poverty
All people
14.6%
Under 18 years
21.9%
18 and over
11.9%
Married-couple families
7.8%
Female-led households
34.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 23.7% |
| Retirement income | 25.2% |
| Supplemental Security | 7.9% |
| Cash public assistance | 2.2% |
| Food stamps / SNAP | 15.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 32.6% |
| High blood pressure | 29.5% |
| High cholesterol | 28.7% |
| Diabetes | 8.9% |
| Heart disease | 5.0% |
| Stroke | 2.7% |
| Asthma | 9.5% |
| Arthritis | 20.3% |
| Kidney disease | 2.5% |
| Pulmonary disease | 5.9% |
| Cancer | 4.6% |
| Behavior / access | % |
|---|---|
| Smoking | 20.5% |
| Binge drinking | 18.5% |
| No physical activity | 22.8% |
| Less than 7 hrs sleep | 38.8% |
| Depression | 24.6% |
| Fair or poor health | 13.9% |
| Poor mental health | 16.6% |
| Poor physical health | 9.9% |
| No health insurance | 20.3% |
| Visited doctor (checkup) | 77.4% |
| Visited dentist | 62.4% |
| Cholesterol screening | 84.9% |
| Teeth loss | 16.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 6,948 | 21.8% |
| Disability | % |
|---|---|
| Any disability | 19.7% |
| Under 18 | 10.5% |
| 18–64 years | 20.0% |
| 65 and over | 39.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 66.4% |
| Public insurance | 39.1% |
| No insurance | 11.8% |
| Uninsured under 19 | 3.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 45,495 | 90.6% |
| Spanish | 1,385 | 3.0% |
| Other Indo-European | 1,019 | 2.2% |
| Asian & Pacific Islander | 37 | 0.1% |
| Other languages | 326 | 0.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 48,326 | 96.3% |
| Born in same state | 47,587 | 94.8% |
| Born in different state | 20,840 | 41.5% |
| Foreign born | 739 | 1.5% |
| Naturalized citizen | 1,881 | 3.7% |
| Not a US citizen | 979 | 52.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 6,377 | 12.7% |
| Italian | 5,846 | 11.6% |
| Arab | 3,094 | 6.2% |
| German | 830 | 1.7% |
| Irish | 398 | 0.8% |
| Ancestry | Count | % |
|---|---|---|
| English | 355 | 0.7% |
| Polish | 192 | 0.4% |
| Dutch | 41 | 0.1% |
| Norwegian | 10 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 37.3% |
| Internet access | 97.2% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28540
What part of Jacksonville is ZIP code 28540?
ZIP code 28540 covers a portion of Jacksonville, North Carolina, within Onslow County.
What county is ZIP code 28540 in?
ZIP code 28540 falls within Onslow County, North Carolina.
Does ZIP code 28540 have a large veteran population?
22% of civilians in ZIP code 28540 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 28540?
The median home value in ZIP code 28540 is $187,100.
What is the population of ZIP code 28540?
ZIP code 28540 has an estimated population of 50,207 residents, with a density of 455 people per square mile.
What is the median household income in ZIP code 28540?
The median household income in ZIP code 28540 is $58,242, below the national median of ~$75,000.
What timezone is ZIP code 28540 in?
ZIP code 28540 observes the EST timezone.