27964 ZIP Code — Point Harbor, NC

Currituck County, North Carolina

ZIP code 27964 is located in Point Harbor, North Carolina, within Currituck County. It covers approximately 1.64 square miles and serves a population of 673 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 252.

About ZIP code 27964

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $245,500.

The gap between median ($63,771) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

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

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

Health indicators show elevated rates of smoking (20%) compared to national benchmarks. 32% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 34% of civilians, above the national average of 7%.

Overall, ZIP code 27964 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

673

population

1.64

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

27964 ZIP code map

Cities in ZIP code 27964

Below are the cities the US Postal Service accepts for ZIP code 27964. Using any city not on this list may result in mail delivery delays.

City	Status
Point Harbor	Preferred

Nearby ZIP codes

27941 Harbinger (2.8 mi) 27966 Powells Point (4.8 mi) 27949 Kitty Hawk (5.3 mi) 27948 Kill Devil Hills (6.9 mi) 27947 Jarvisburg (8 mi) 27939 Grandy (12.4 mi) 27965 Poplar Branch (13.4 mi) 27954 Manteo (15 mi) 27974 Shiloh (16.8 mi) 27916 Aydlett (16.9 mi) 27959 Nags Head (17.7 mi) 27953 Manns Harbor (18.8 mi)

Demographics updated 05/2026

Population
Total population	673
Population density	410 / sq mi
State FIPS	37
County FIPS	053

Geography
Land area	1.64 sq mi
Water area	16.45 sq mi
Latitude	36.0858
Longitude	-75.8000
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	25.4%	31.0%	44.4%
$50k – $100k	57.8%	37.1%	30.6%
$100k – $200k	10.9%	26.5%	19.1%
Over $200k	5.9%	5.5%	6.0%

Demographics & statistics

673

Population

410

People per sq mi

41.9

Median age

$63,771

Median household income

$33,713

Per capita income

$245,500

Median home value

Median monthly rent

100.0%

Home ownership

3.4%

Poverty rate

0.0%

Unemployment

311

Housing units

44.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

10–14

15–19

20–24

25–34

153

35–44

113

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	127	18.9%
18 and over	546	81.1%
65 and over	140	20.8%
Median age	41.9 years

Race & ethnicity

White 100%

Group	Count	%
White	673	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.4%	31.0%	44.4%
$50k – $100k	57.8%	37.1%	30.6%
$100k – $200k	10.9%	26.5%	19.1%
Over $200k	5.9%	5.5%	6.0%

$10k–$15k 4.0%

$15k–$25k 5.8%

$35k–$50k 2.7%

$50k–$75k 57.1%

$75k–$100k 3.6%

$100k–$150k 2.2%

$150k–$200k 17.4%

$200k+ 7.1%

Range	% of households
$10k–$15k	4.0%
$15k–$25k	5.8%
$35k–$50k	2.7%
$50k–$75k	57.1%
$75k–$100k	3.6%
$100k–$150k	2.2%
$150k–$200k	17.4%
$200k+	7.1%
Median income	$63,771

Housing

Home values

$50k–$100k 2.7%

$100k–$150k 1.3%

$150k–$200k 23.2%

$200k–$300k 34.4%

$300k–$500k 36.2%

$500k–$1M 2.2%

Housing overview

Metric	Value
Median home value	$245,500
Median rent / month	$0
Owner occupied	100.0%
Renter occupied	0.0%
Vacant	28.0%
Single-family detached	82.0%
Large apartment buildings	0.0%
Mobile homes	17.0%
Median rooms	5.6
Avg household size (owned)	3.00

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	34.1%
1990–1999	32.5%
1980–1989	19.0%
1970–1979	10.9%
1960–1969	1.0%
1950–1959	0.0%
1940–1949	1.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	35.0%
3 bedrooms	58.5%
4 bedrooms	6.4%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	13.4%
2 vehicles	29.5%
3 or more	57.1%

Heating fuel

Fuel type	%
Utility gas	3.6%
Electricity	94.2%

Households & families

Household type	Count	%
Married-couple family	99	44.2%
Cohabiting couple	39	17.4%
Male householder, no spouse	10	4.5%
Female householder, no spouse	76	33.9%
Households with children under 18	86	38.4%
Households with seniors (65+)	115	51.3%
Average household size	3.00

Marital status

Status	Male	Female
Never married	51.5%	13.1%
Married	34.6%	42.4%
Separated	0.0%	0.0%
Widowed	2.8%	28.8%
Divorced	11.0%	15.7%

Education

Less than 9th grade 13.6%

Some HS, no diploma 0.9%

HS graduate 9.1%

Some college, no degree 20.8%

Associate's degree 11.5%

Bachelor's degree 31.6%

Graduate / professional 12.5%

Metric	%
HS diploma or higher	85.5%
Bachelor's or higher	44.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	23	21.9%
High school	68	64.8%
College / grad school	14	13.3%

Employment

Industry of employment

Construction 32.8%

Education & healthcare 32.8%

Information 12.0%

Manufacturing 7.9%

Retail trade 4.7%

Finance & real estate 3.5%

Arts, food & hospitality 3.3%

Professional & management 1.6%

Transportation & utilities 0.8%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	50.9%
Service	2.4%
Sales & office	19.3%
Natural resources & construction	18.5%
Production & transportation	8.8%

Employment type

Type	%
Private sector	55.4%
Government	42.4%
Self-employed	2.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	100.0%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	30.6

Poverty

All people 3.4%

Under 18 years 8.7%

18 and over 2.4%

Married-couple families 3.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	46.4%
Retirement income	37.1%
Supplemental Security	5.8%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	34.8%
High blood pressure	38.6%
High cholesterol	37.7%
Diabetes	12.0%
Heart disease	8.6%
Stroke	4.0%
Asthma	9.2%
Arthritis	31.1%
Kidney disease	3.7%
Pulmonary disease	9.1%
Cancer	8.1%

Behavior / access	%
Smoking	20.3%
Binge drinking	14.7%
No physical activity	25.6%
Less than 7 hrs sleep	31.0%
Depression	23.7%
Fair or poor health	16.1%
Poor mental health	14.2%
Poor physical health	12.4%
No health insurance	18.0%
Visited doctor (checkup)	78.6%
Visited dentist	60.9%
Cholesterol screening	90.7%
Teeth loss	16.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	184	33.7%

Disability	%
Any disability	7.4%
Under 18	0.0%
18–64 years	2.2%
65 and over	29.3%

Health insurance coverage

Type	%
Private insurance	62.0%
Public insurance	22.6%
No insurance	31.5%
Uninsured under 19	74.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	637	94.7%
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)	673	100.0%
Born in same state	673	100.0%
Born in different state	243	36.1%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	244	36.3%
Arab	73	10.8%
Dutch	14	2.1%

Ancestry	Count	%
Italian	12	1.8%
English	10	1.5%
German	5	0.7%

Technology access

Metric	% of households
Computer access	33.3%
Internet access	97.3%

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

Frequently asked questions about ZIP code 27964

What city is ZIP code 27964 in?

ZIP code 27964 is primarily assigned to Point Harbor, North Carolina.

What county is ZIP code 27964 in?

ZIP code 27964 falls within Currituck County, North Carolina.

Does ZIP code 27964 have a large veteran population?

34% of civilians in ZIP code 27964 are veterans, above the national average of ~7%.

Does ZIP code 27964 have a large retiree population?

46% of households in ZIP code 27964 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 27964?

ZIP code 27964 has an estimated population of 673 residents, with a density of 412 people per square mile.

What is the median household income in ZIP code 27964?

The median household income in ZIP code 27964 is $63,771, below the national median of ~$75,000.

What timezone is ZIP code 27964 in?

ZIP code 27964 observes the EST timezone.