Wilmington, NC (28403)

Wilmington, NC (ZIP 28403) sits in New Hanover County within the Wilmington metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Depression comes in above the national average at 27.6%. NCES lists 9 schools serving the area, 9 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $2,674. IRS data shows average household income (AGI) of $112,826, well above the ~$45K national average per return. Census ZBP marks the area as a major commercial hub with 2,334 business establishments. Live Oak Banking Company holds 79% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. FEMA has issued 32 federal disaster declarations affecting this ZIP since 1984 — a high-frequency exposure profile. 28.7% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 3,108 residents (2,119 households) — the ZIP's primary county is growing. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $50,757, fair market rent of $1,650 for a two-bedroom, and a typical home value of $392,176, down 0.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

Apartment construction (5+ unit buildings) accounts for 46% of new units this year — the area is densifying, not just adding single-family stock.

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1849.2M across all reported brackets.

Business & employment

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

That is roughly 6% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on New Hanover County, NC data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Alternative-fuel stations

Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.

Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Air quality

Based on New Hanover County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Low birth weight (under 2,500 g) accounts for 8.8% of live births in this county — an early-life health input that downstream outcomes track against.

Based on New Hanover data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Among low-income residents, 8.8% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in New Hanover County, NC for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Incoming households reported an average AGI of $81,030 versus departing households' $65,322.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

9 schools serve this ZIP, including 9 non-charter.

Showing top 5 by enrollment. 4 more schools serve this ZIP.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• University of North Carolina Wilmington

  Wilmington, NC · 28403

  4-Year

  In-state tuition

  $7,277

  Out-of-state tuition

  $24,152

  Acceptance rate

  64.2%

  Graduation rate

  70.7%

  Median earnings (10 yr)

  $54,967

  Median student debt

  $19,500

• College of Wilmington

  Wilmington, NC · 28403

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  27.7%

  Median earnings (10 yr)

  $19,235

  Median student debt

  $9,423

• Cape Fear Community College

  Wilmington, NC · 28401

  2-Year

  In-state tuition

  $2,748

  Out-of-state tuition

  $8,892

  Acceptance rate

  —

  Graduation rate

  33.9%

  Median earnings (10 yr)

  $38,654

  Median student debt

  $9,500

• Brunswick Community College

  Bolivia, NC · 28422

  2-Year

  In-state tuition

  $2,553

  Out-of-state tuition

  $8,697

  Acceptance rate

  —

  Graduation rate

  43.5%

  Median earnings (10 yr)

  $36,668

  Median student debt

  —

• Southeastern Community College

  Whiteville, NC · 28472

  2-Year

  In-state tuition

  $2,600

  Out-of-state tuition

  $8,744

  Acceptance rate

  —

  Graduation rate

  46.6%

  Median earnings (10 yr)

  $30,284

  Median student debt

  —

• Miller-Motte College-Wilmington

  Wilmington, NC · 28405

  4-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  6.3%

  Median earnings (10 yr)

  $31,102

  Median student debt

  $15,917

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Frequently Asked Questions — ZIP 28403

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