ZIP code 27965

ZIP 27965 is a very small community in Currituck County, North Carolina, with 433 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #744 of 853 ranked by population — larger than 12% of them. The median age here is 52.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 27965 earn a median of $61,864 a year, 21.2% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 21.7% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 27965 is valued at $279,500, 7.9% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 4.5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 92.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 52.9 puts ZIP 27965 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 433 residents, a handful of survey responses moves every median on this page. Compare ZIP 27965 against its county rather than against national figures.

The Census withheld gross rent for ZIP 27965 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 27965 is tabulated inside Currituck County, North Carolina, one of 15 ZIP areas the Census publishes for that county and 853 across North Carolina. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 27965 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 27965 reports a median household income of $61,864, 26% below the $83,732 county median, and close to the $62,646 typical NC ZIP. Owner-occupied homes are valued at a median of $279,500, 14% below the county figure and 38% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

North Carolina charges 4.75% statewide, and local governments overlapping 27965 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 27965 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.