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ZIP Code · NC

ZIP 28445

Pop. 10,797·Onslow County·56th most expensive ZIP in North Carolina
Median rent (all units)
$1,879/mo
Year-over-Year
+10.1%
Month-over-Month
+2.3%
vs US Median
-$86
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 28445 · $1,879
More expensive than 53% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,120
1 BR
$1,140
2 BR
$1,370
3 BR
$1,910
4 BR+
$2,310
Research median
$1,370/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$22,548/yr
At $1,879/mo median
Location
StateNC
CountyOnslow County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 10.1% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+10.1% YoY, +2.3% MoM), not inventory.
Demographics

Who lives here

ZIP 28445 (Holly Ridge, NC) is majority owner-occupied, 45.6% of residents hold a bachelor's degree or higher.

Population
10,797
Median income
$84,016
Median age
41.2
Renters
16.9%
Age distribution
20.7%
18.7%
26.7%
14.3%
19.7%
Under 1820.7%
18–3418.7%
35–5426.7%
55–6414.3%
65+19.7%
Gender
48.3%
51.7%
Male48.3%
Female51.7%
Race & ethnicity
90.9%
White90.9%
Black1.8%
Hispanic3.7%
Asian0.9%
Other2.7%
Education (25+)
16.1%
32.2%
45.6%
No HS diploma6.1%
HS diploma16.1%
Some college32.2%
Bachelor's+45.6%
Housing tenure
83.1%
16.9%
Owner83.1%
Renter16.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 28445 in Holly Ridge, NC has changed in 5 years

Income
$72,400 → $84,016
up 16.0%
Population
9,162 → 10,797
up 17.8%
Renter share
27.3% → 16.9%
-10.4 pts
Bachelor's+
39.1% → 45.6%
+6.5 pts
Median age
38.9 → 41.2
+2.3 yrs

Local incomes tracked alongside that move, going from a median of $72,400 in 2021 to $84,016 more recently. Headcount in the area went from 9,162 to 10,797 between 2021 and 2024, a 17.8% change. About 16.9% of households rent today, against 27.3% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 39.1% to 45.6%.

Community

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Local insights

Tips for renters in ZIP 28445

About renting in ZIP 28445

Last updated: July 20, 2026

ZIP code 28445 covers Holly Ridge, NC. The median rent here is $1,879/mo as of July 2026. A 1-bedroom rents for a median of $1,140/mo. A 2-bedroom rents for a median of $1,370/mo.

At 27% of local median household income ($84,016/yr), ZIP 28445 ranks as affordable compared to the national benchmark of 30%. Rents have increased 10.1% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 28445?

As of July 20, 2026, the median monthly rent in ZIP 28445 (Holly Ridge, NC) is $1,879. This is based on aggregated data from public sources and community submissions.

How does ZIP 28445 rent compare to the US average?

ZIP 28445's median rent of $1,879/mo is $86 (4%) below the US national median of $1,965/mo.

How does ZIP 28445 compare to other ZIPs in North Carolina?

ZIP 28445 is one of the pricier ZIP codes in North Carolina, ranking #56 out of 227 ZIPs tracked at $1,879/mo.

How much income do you need to rent in ZIP 28445?

To keep rent at or below 30% of gross income, you would need to earn at least $75,000/year (~$36/hour full-time) to afford the median rent of $1,879/mo in ZIP 28445. The local median household income is $84,016/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 28445?

Rent in ZIP 28445 has increased 10.1% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 28445 an affordable place to rent?

ZIP 28445 is considered affordable for renters. At $1,879/mo, rent takes approximately 27% of the local median household income ($84,016/yr). The standard benchmark is 30%. ZIP 28445 falls comfortably within that range.

What percentage of ZIP 28445 residents rent vs. own?

According to Census data, approximately 16.9% of ZIP 28445 households are renters, while 83.1% are owner-occupied. ZIP 28445 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 28445 compare to the rest of Holly Ridge?

ZIP 28445 is pricier than Holly Ridge as a whole. At $1,879/mo, it's $78 above the Holly Ridge citywide median of $1,801/mo.

When was rent data for ZIP 28445 last updated?

Rent data for ZIP 28445 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
27%
AFFORDABLE

At $1,879/mo, rent takes ~27% of ZIP 28445's median household income ($84,016/yr). The standard benchmark is 30%.

ZIP 28445 27%Benchmark 30%
State income tax4.5%
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Schools nearby

Public schools near ZIP 28445 (Holly Ridge, NC)

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