HomeNorth CarolinaBrunswick CountyOak Island
Oak Island, North Carolina: commercial real estate data.
Oak Island is a Census town of 9,030 people across 19.27 square miles of land, in Brunswick County. Median household income is $85,872, 89.7 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $3.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oak Island
What Oak Island is
- Census place typetown
- Land area19.27 sq mi
- Water area1.36 sq mi
- Population per square mile of land469
- County holding the largest share of its areaBrunswick County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Island
How many people live in Oak Island
- Population9,030
- Median age62.3
- Population under 18638 plus or minus 194
- Share under 187.1 percent plus or minus 2.2
- Population 65 and over3,796
- Share 65 and over42.0 percent
- Households4,602
- Family households2,961
- Share of households that are families64.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Island
Income and work in Oak Island
- Median household income$85,872
- Per capita income$64,025
- Civilian labor force3,715
- Employed3,604
- Unemployed111 plus or minus 101
- Unemployment rate3.0 percent plus or minus 2.7
- Adults 25 and over8,137
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher43.6 percent
- Adults 25 and over with a graduate degree16.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Island
Housing in Oak Island
- Housing units10,805
- Occupied units4,602
- Vacant units6,203
- Vacancy rate57.4 percent
- Owner occupied4,126
- Renter occupied476 plus or minus 154
- Ownership rate89.7 percent
- Median owner-occupied home value$456,500
- Median gross rent, monthly$1,339
- Annual rent as a share of median income18.7 percent
- Single family units9,553
- Share single family88.4 percent
- Units in buildings of two or more533 plus or minus 187
- Share in buildings of two or more4.9 percent plus or minus 1.7
- Mobile homes705 plus or minus 239
- Median year structure built1997
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Island
How Oak Island gets to work
- Workers 16 and over who commute2,664
- Commuting under 15 minutes823 plus or minus 174
- Share commuting under 15 minutes30.9 percent
- Commuting 30 minutes or more688 plus or minus 200
- Share commuting 30 minutes or more25.8 percent plus or minus 6.7
- Drove alone66.9 percent
- Carpooled4.4 percent plus or minus 3.2
- Public transport1.3 percent plus or minus 0.9
- Walked1.1 percent plus or minus 1.2
- Worked from home24.9 percent plus or minus 6.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Island
SBA loans in Oak Island (7(a))
- Approvals8
- Gross approval$3,199,300
- Average approval$399,913
- Median approval$265,500
- Largest approval$1,234,300
- Jobs supported122
- Jobs per approval15.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Oak Island, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oak Island
Flood risk in Oak Island
- NFIP communityTown of Oak Island
- NFIP community number370523
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date08/28/18
The Town of Oak Island participates in the National Flood Insurance Program as community 370523 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Brunswick County, not Oak Island
Brunswick County context, not Oak Island figures
- Establishments in Brunswick County3,093
- Covered employment, Brunswick County41,268
- Average annual pay, Brunswick County$51,701
- Housing units permitted, Brunswick County6,093
Every figure in this section is published for Brunswick County as a whole and is not a measurement of Oak Island.
All Brunswick County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Oak Island questions, answered from the record.
How many people live in Oak Island, North Carolina?
9,030, in 4,602 households. Oak Island town covers 19.27 square miles of land, which is 469 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oak Island in?
Brunswick County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Oak Island?
$85,872. The median owner-occupied home is valued at $456,500. Median gross rent is $1,339 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oak Island businesses?
8 7(a) approvals totaling $3.2 m since FY2020, across 6 lenders, median approval $265,500. These count approvals to borrowers whose address is in Oak Island, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oak Island borrowers get paid back?
No rate is published for Oak Island. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Oak Island in the National Flood Insurance Program?
Yes. Oak Island appears in the FEMA Community Status Book as Oak Island, town of, community 370523, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Oak Island figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Brunswick County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Oak Island.
Is zoning published for Oak Island?
No. Nothing on this page presents parcel level zoning.