HomeNorth CarolinaCarteret CountyCape Carteret
Cape Carteret, North Carolina: commercial real estate data.
Cape Carteret is a Census town of 2,703 people across 2.52 square miles of land, in Carteret County. Median household income is $86,136, 79.6 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $5.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cape Carteret
What Cape Carteret is
- Census place typetown
- Land area2.52 sq mi
- Water area0.09 sq mi
- Population per square mile of land1,071
- County holding the largest share of its areaCarteret 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.
Cape Carteret
How many people live in Cape Carteret
- Population2,703
- Median age46.3
- Population under 18535 plus or minus 182
- Share under 1819.8 percent plus or minus 5.6
- Population 65 and over722
- Share 65 and over26.7 percent plus or minus 6.8
- Households1,146
- Family households874 plus or minus 186
- Share of households that are families76.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Carteret
Income and work in Cape Carteret
- Median household income$86,136 plus or minus $26,985
- Per capita income$43,518
- Civilian labor force1,260 plus or minus 330
- Employed1,243 plus or minus 329
- Unemployed17 plus or minus 15
- Unemployment rate1.3 percent plus or minus 1.1
- Adults 25 and over2,088
- Adults 25 and over with a high school diploma or higher93.0 percent
- Adults 25 and over with a bachelor degree or higher37.9 percent
- Adults 25 and over with a graduate degree18.1 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Carteret
Housing in Cape Carteret
- Housing units1,312
- Occupied units1,146
- Vacant units166 plus or minus 85
- Vacancy rate12.7 percent plus or minus 6.2
- Owner occupied912
- Renter occupied234 plus or minus 149
- Ownership rate79.6 percent plus or minus 18.0
- Median owner-occupied home value$375,700
- Median gross rent, monthly$1,745
- Annual rent as a share of median income24.3 percent plus or minus 7.7
- Single family units1,241
- Share single family94.6 percent
- Units in buildings of two or more11 plus or minus 23
- Share in buildings of two or more0.8 percent plus or minus 1.7
- Mobile homes60 plus or minus 43
- Median year structure built1993
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Carteret
How Cape Carteret gets to work
- Workers 16 and over who commute1,181 plus or minus 321
- Commuting under 15 minutes360 plus or minus 124
- Share commuting under 15 minutes30.5 percent plus or minus 6.5
- Commuting 30 minutes or more537 plus or minus 167
- Share commuting 30 minutes or more45.5 percent
- Drove alone86.1 percent
- Carpooled5.0 percent plus or minus 4.1
- Public transport0.0 percent
- Walked1.0 percent plus or minus 1.1
- Worked from home7.4 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Carteret
SBA loans in Cape Carteret (7(a))
- Approvals4
- Gross approval$5,084,300
- Average approval$1,271,075
- Median approval$867,400
- Largest approval$3,050,000
- Jobs supported33
- Jobs per approval8.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term306 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Cape Carteret, in any county, FY2020 to FY2026. Only 0 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.
Cape Carteret
Flood risk in Cape Carteret
- NFIP communityTown of Cape Carteret
- NFIP community number370046
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date01/17/25
The Town of Cape Carteret participates in the National Flood Insurance Program as community 370046 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Carteret County, not Cape Carteret
Carteret County context, not Cape Carteret figures
- Establishments in Carteret County2,249
- Covered employment, Carteret County25,022
- Average annual pay, Carteret County$45,708
- Housing units permitted, Carteret County935
Every figure in this section is published for Carteret County as a whole and is not a measurement of Cape Carteret.
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
Cape Carteret questions, answered from the record.
How many people live in Cape Carteret, North Carolina?
2,703, in 1,146 households. Cape Carteret town covers 2.52 square miles of land, which is 1,071 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cape Carteret in?
Carteret 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 Cape Carteret?
$86,136. The median owner-occupied home is valued at $375,700. Median gross rent is $1,745 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cape Carteret businesses?
4 7(a) approvals totaling $5.1 m since FY2020, across 3 lenders, median approval $867,400. These count approvals to borrowers whose address is in Cape Carteret, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cape Carteret borrowers get paid back?
No rate is published for Cape Carteret. Only 0 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 Cape Carteret in the National Flood Insurance Program?
Yes. Cape Carteret appears in the FEMA Community Status Book as Cape Carteret, town of, community 370046, carrying Community Rating System class 8, 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 Cape Carteret figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Carteret 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 Cape Carteret.
Is zoning published for Cape Carteret?
No. Nothing on this page presents parcel level zoning.