28465 ZIP Code — Oak Island, NC

Brunswick County, North Carolina

ZIP code 28465 is located in Oak Island, North Carolina, within Brunswick County. It covers approximately 10.91 square miles and serves a population of 8,228 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 910.

About ZIP code 28465

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $382,500. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($86,442) and mean household income suggests income inequality — a small number of higher earners pull the average up. 56% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is near the national average, with 44% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 28465 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

8,228

population

10.91

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28465 ZIP code map

Cities in ZIP code 28465

Below are the cities the US Postal Service accepts for ZIP code 28465. Using any city not on this list may result in mail delivery delays.

City	Status
Oak Island	Acceptable

Demographics updated 05/2026

Population
Total population	8,228
Population density	754 / sq mi
State FIPS	37
County FIPS	019

Geography
Land area	10.91 sq mi
Water area	3.40 sq mi
Latitude	33.9076
Longitude	-78.1242
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	32.1%	41.0%	44.4%
$50k – $100k	32.6%	35.1%	30.6%
$100k – $200k	22.3%	19.4%	19.1%
Over $200k	13.0%	4.4%	6.0%

Demographics & statistics

8,228

Population

754

People per sq mi

60.0

Median age

$86,442

Median household income

$59,108

Per capita income

$382,500

Median home value

$1,262

Median monthly rent

86.7%

Home ownership

9.0%

Poverty rate

3.5%

Unemployment

9,461

Housing units

43.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

155

10–14

167

114

15–19

122

112

20–24

120

165

25–34

178

192

35–44

206

629

45–54

678

501

55–59

540

543

60–64

586

987

65–74

1,064

372

75–84

401

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	742	9.0%
18 and over	7,486	91.0%
65 and over	2,986	36.3%
Median age	60.0 years

Race & ethnicity

White 93.5%

Two or more races 3.1%

Hispanic or Latino 2%

Black or African American 0.7%

Asian 0.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	7,853	93.5%
Two or more races	263	3.1%
Hispanic or Latino	170	2%
Black or African American	60	0.7%
Asian	45	0.5%
American Indian / Alaska Native	7	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.1%	41.0%	44.4%
$50k – $100k	32.6%	35.1%	30.6%
$100k – $200k	22.3%	19.4%	19.1%
Over $200k	13.0%	4.4%	6.0%

Under $10k 5.9%

$10k–$15k 3.8%

$15k–$25k 4.3%

$25k–$35k 5.8%

$35k–$50k 7.4%

$50k–$75k 15.1%

$75k–$100k 13.7%

$100k–$150k 18.1%

$150k–$200k 11.4%

$200k+ 14.4%

Range	% of households
Under $10k	5.9%
$10k–$15k	3.8%
$15k–$25k	4.3%
$25k–$35k	5.8%
$35k–$50k	7.4%
$50k–$75k	15.1%
$75k–$100k	13.7%
$100k–$150k	18.1%
$150k–$200k	11.4%
$200k+	14.4%
Median income	$86,442

Housing

Home values

Under $50k 2.8%

$50k–$100k 0.6%

$100k–$150k 2.4%

$150k–$200k 6.4%

$200k–$300k 22.5%

$300k–$500k 32.4%

$500k–$1M 29.3%

$1M+ 3.6%

Housing overview

Metric	Value
Median home value	$382,500
Median rent / month	$1,262
Owner occupied	86.7%
Renter occupied	13.3%
Vacant	61.3%
Single-family detached	83.5%
Large apartment buildings	2.5%
Mobile homes	6.7%
Median rooms	4.9
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	1.4%
2010–2019	15.2%
2000–2009	20.4%
1990–1999	18.8%
1980–1989	25.4%
1970–1979	11.9%
1960–1969	4.8%
1950–1959	1.7%
1940–1949	0.2%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	0.8%
2 bedrooms	22.2%
3 bedrooms	55.1%
4 bedrooms	16.9%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	28.6%
2 vehicles	45.3%
3 or more	23.5%

Heating fuel

Fuel type	%
Utility gas	2.7%
Electricity	89.6%
Propane / LP gas	5.7%
Fuel oil	1.7%
Wood	0.2%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,283	59.2%
Cohabiting couple	255	6.6%
Male householder, no spouse	473	12.3%
Female householder, no spouse	846	21.9%
Households with children under 18	455	11.8%
Households with seniors (65+)	2,084	54.0%
Average household size	2.13

Marital status

Status	Male	Female
Never married	18.1%	12.7%
Married	67.0%	63.2%
Separated	0.2%	1.0%
Widowed	4.6%	6.4%
Divorced	10.1%	16.6%

Education

Less than 9th grade 1.0%

Some HS, no diploma 2.6%

HS graduate 21.1%

Some college, no degree 20.1%

Associate's degree 11.8%

Bachelor's degree 26.6%

Graduate / professional 16.9%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	43.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	0.9%
Kindergarten	10	1.2%
Elementary school	428	52.8%
High school	201	24.8%
College / grad school	164	20.2%

Employment

Industry of employment

Education & healthcare 18.7%

Finance & real estate 13.9%

Professional & management 12.3%

Public administration 10.2%

Retail trade 10.1%

Construction 9.4%

Arts, food & hospitality 8.1%

Transportation & utilities 7.7%

Manufacturing 5.5%

Other services 2.8%

Information 1.0%

Agriculture & mining 0.1%

Wholesale trade 0.1%

Occupation

Category	%
Management, business & arts	45.3%
Service	17.2%
Sales & office	22.8%
Natural resources & construction	8.8%
Production & transportation	5.9%

Employment type

Type	%
Private sector	71.8%
Government	20.7%
Self-employed	7.0%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	71.8%
Carpool	2.2%
Public transit	1.5%
Walk	0.9%
Work from home	22.0%
Other means	1.7%
Avg commute (minutes)	25.7

Poverty

All people 9.0%

Under 18 years 2.9%

18 and over 9.6%

Married-couple families 7.1%

Female-led households 5.6%

Income support

Source	% of households
Social Security	56.1%
Retirement income	42.6%
Supplemental Security	3.0%
Cash public assistance	2.7%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	29.1%
High blood pressure	36.5%
High cholesterol	40.5%
Diabetes	10.6%
Heart disease	7.4%
Stroke	3.1%
Asthma	8.4%
Arthritis	29.2%
Kidney disease	3.1%
Pulmonary disease	6.7%
Cancer	9.0%

Behavior / access	%
Smoking	14.0%
Binge drinking	15.8%
No physical activity	17.8%
Less than 7 hrs sleep	28.3%
Depression	20.9%
Fair or poor health	11.0%
Poor mental health	11.6%
Poor physical health	9.5%
No health insurance	11.7%
Visited doctor (checkup)	81.0%
Visited dentist	75.2%
Cholesterol screening	93.8%
Teeth loss	8.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	947	12.7%

Disability	%
Any disability	14.0%
Under 18	7.5%
18–64 years	10.9%
65 and over	20.2%

Health insurance coverage

Type	%
Private insurance	80.8%
Public insurance	42.4%
No insurance	4.2%
Uninsured under 19	6.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,127	98.8%
Spanish	55	0.7%
Other Indo-European	33	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	22	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,067	98.0%
Born in same state	7,950	96.6%
Born in different state	3,427	41.7%
Foreign born	117	1.4%
Naturalized citizen	161	2.0%
Not a US citizen	128	79.5%

Ancestry

Ancestry	Count	%
French	1,622	19.7%
Italian	1,209	14.7%
Arab	554	6.7%
Polish	97	1.2%
Dutch	85	1%

Ancestry	Count	%
English	81	1%
Norwegian	42	0.5%
Irish	34	0.4%
German	32	0.4%

Technology access

Metric	% of households
Computer access	46.9%
Internet access	98.2%

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

Frequently asked questions about ZIP code 28465

What city is ZIP code 28465 in?

ZIP code 28465 is primarily assigned to Oak Island, North Carolina.

What county is ZIP code 28465 in?

ZIP code 28465 falls within Brunswick County, North Carolina.

Does ZIP code 28465 have an older population?

36% of residents in ZIP code 28465 are 65 or older, above the national average of ~17%.

Does ZIP code 28465 have a large retiree population?

56% of households in ZIP code 28465 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 28465 mostly owner-occupied?

87% of occupied units in ZIP code 28465 are owner-occupied, well above the national average.

Does ZIP code 28465 have a large veteran population?

13% of civilians in ZIP code 28465 are veterans, above the national average of ~7%.

What timezone is ZIP code 28465 in?

ZIP code 28465 observes the EST timezone.