ZIP Code · NC

ZIP 28465

Part of Oak Island, NC

Pop. 8,756·Brunswick County·17th most expensive ZIP in North Carolina

Median rent (all units)

$2,094/mo

Year-over-Year

Stable

Month-over-Month

+4.0%

vs US Median

+$162

Reported rents

Rising (Monthly)

Be the first to discuss 28465 rents ↓

Most AffordableMost Expensive

ZIP 28465 · $2,094

More expensive than 66% of US ZIP codes · National median $1,932/mo

Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,230

1 BR

$1,290

2 BR

$1,410

3 BR

$1,960

4 BR+

$2,370

Research median

$1,410/mo

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

Rent trends

12-month history

Loading…

Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($86,194) is $2,155 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,960); a 4-bedroom is $2,370.

Cheaper nearby

ZIP 28461, 5 miles away, rents for 19% less ($1,688/mo), about $4,900 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 28465. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$25,128/yr

At $2,094/mo median

Location

CityOak Island

StateNC

CountyBrunswick County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+0.0% YoY, +4.0% MoM), not inventory.

Demographics

Who lives here

ZIP 28465 (Oak Island, NC) is majority owner-occupied, has a large retiree population, 45.3% of residents hold a bachelor's degree or higher.

Population

8,756

Median income

$86,194

Median age

Renters

8.9%

Age distribution

20.4%

25.6%

41.5%

Under 187.7%

18–344.9%

35–5420.4%

55–6425.6%

65+41.5%

Gender

47.7%

52.3%

Male47.7%

Female52.3%

Race & ethnicity

94.4%

White94.4%

Black0.8%

Hispanic1.2%

Other3.2%

Education (25+)

20%

31.5%

45.3%

No HS diploma3.2%

HS diploma20%

Some college31.5%

Bachelor's+45.3%

Housing tenure

91.1%

Owner91.1%

Renter8.9%

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

2021 vs 2026

How ZIP 28465 in Oak Island, NC has changed in 5 years

Income

$84,519 → $86,194

up 2.0%

Population

7,768 → 8,756

up 12.7%

Renter share

12.5% → 8.9%

-3.6 pts

Bachelor's+

44% → 45.3%

+1.3 pts

Median age

59.6 → 62

+2.4 yrs

On the earnings side, the typical household in ZIP 28465 in Oak Island, NC now reports about $86,194, up from $84,519 in 2021. The population has grown by 12.7% since 2021, moving from about 7,768 residents to roughly 8,756. Renters now make up 8.9% of households, compared with 12.5% five years ago.

Community

Discussions about ZIP 28465

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 28465

About renting in ZIP 28465

Last updated: October 17, 2026

ZIP code 28465 covers Oak Island, NC. The median rent here is $2,094/mo as of October 2026. A 1-bedroom rents for a median of $1,290/mo. A 2-bedroom rents for a median of $1,410/mo.

At 29% of local median household income ($86,194/yr), ZIP 28465 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 28465?

To keep rent at or below 30% of gross income, you would need to earn at least $84,000/year (about $40/hour full-time) to afford the median rent of $2,094/mo in ZIP 28465. The local median household income is $86,194/yr, so the typical household meets that bar.