My bmi says overweight at 28.1 is that fat?

According to the World Health Organization, a BMI between 25 and 29.9 is classified as overweight. You are close to the boundary and are within the overweight category. It is important to remember that BMI is just one measure of health and that several other factors, such as muscle mass, body composition, and waist circumference, also play a role in overall health.