Sector first, then segment
The Postal Service address products guide defines the two halves precisely. A ZIP sector number "forms the first two digits of the ZIP +4 code. A ZIP sector is a subdivision of a 5-digit ZIP Code area." The segment is finer: "The ZIP segment is a subdivision of a ZIP sector, i.e., it represents areas such as one side of a city block between intersections; both sides of a street, including cul-de-sacs; a company or building; a floor or group of floors within a building; a cluster of mailboxes; sections of Post Office boxes; or other similar delivery groups." Both quotes come from the Address Information System Products Technical Guide on postalpro.usps.com, checked 2026-07-28.
Where the extra four really earn their keep
Bulk mail, not your box. The Postal Service explains that a routing code can carry a 5-digit ZIP, a 9-digit ZIP+4 or an 11-digit delivery point code, and that "To obtain automation discounts, a Delivery-Point ZIP Code from CASS-certified (Coding Accuracy Support System) software is required", per its own barcode instruction sheet on about.usps.com, checked 2026-07-28. A single parcel bought online is not claiming an automation price, so nothing rides on the add-on.
Writing it, if you write it at all
Publication 28 keeps punctuation out of the address block with one exception, stating that "With the exception of the hyphen in the ZIP+4 Code, punctuation may be omitted in the delivery address block." The last line wants at least one space between the city, the two-character state and the code, with two spaces preferred before it, per sections 222 and 224 at pe.usps.com, checked 2026-07-28. One oddity worth knowing: add-ons for places with no delivery, such as vacant lots, carry the letters ND in the segment position rather than digits.