| ZIP Code | 28640 |
|---|---|
| City | Jefferson |
| State | North Carolina (NC) |
| County | Ashe County |
| Area Code | 336/743 |
| Elevation | 2,652 ft |
| Latitude | 36.404873 |
|---|---|
| Longitude | -81.399397 |
| Timezone | New York (DST) |
| FIPS | 37009 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 53.3 yrs ↑ 19% since 2019 |
|---|---|
| Avg Household Size | 2.20 |
| Below Poverty | 15.6% ▲ 56% above avg |
| College Grads | 37.6% ≈ Avg |
| Unemployment | 4.9% ≈ Avg |
| No HS Diploma | 75 (2.2%) |
| HS Graduate | 1,045 (30.5%) |
| Some College | 454 (13.2%) |
| Associates | 567 (16.5%) |
| Bachelors | 614 (17.9%) |
| Graduate Degree | 675 (19.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $50,946 ▼ 33% below avg ↑ 30% since 2019 |
|---|---|
| Median Home Value | $252,200 ▼ 10% below avg ↑ 63% since 2019 |
| Home/Income Ratio | 5.0x (nat avg ~3.5x) |
| Median Rent | $736/mo ↑ 31% since 2019 |
| Total Units | 2,832 |
| Vacant Units | 752 |
| Avg HH Size | 2.20 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,832 |
|---|---|
| Vacant | 752 |
| Owner Occupied | 69.2% |
| Renter Occupied | 30.8% |
| Avg HH Size | 2.20 |
ZIP code 28640 is located in Jefferson, North Carolina, within Ashe County. With a population of 4,818, this is a lightly populated ZIP code with a mature community — the median age is 53.3 years. Economically, 28640 is a working-class ZIP code: the median household income of $50,946 is below the national average.
Real estate in ZIP code 28640 represents a mid-range housing market. The median home value of $252,200 is near the national average. Renters can expect to pay around $736 per month in median rent. Homeownership is strong here — 69.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 63% since 2019.
The population of 28640 is primarily White (90.56%). Residents are moderately educated — 37.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 15.6%. Household income has grown by 30% since 2019.
The unemployment rate in 28640 stands at 4.9%, which is near the national average. About 15% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 28640 in Jefferson, NC is characterized as working-class, moderately educated, a mature community, and predominantly owner-occupied. With 4,818 residents, a median household income of $50,946, and a median home value of $252,200, it offers a clear picture of life in this part of North Carolina.