| ZIP Code | 28909 |
|---|---|
| City | Warne |
| State | North Carolina (NC) |
| County | Clay County |
| Area Code | 828 |
| Elevation | 1,909 ft |
| Latitude | 35.001138 |
|---|---|
| Longitude | -83.903263 |
| Timezone | New York (DST) |
| FIPS | 37043 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 59.9 yrs ↑ 20% since 2019 |
|---|---|
| Avg Household Size | 1.68 |
| Below Poverty | 10.1% ≈ Avg |
| College Grads | 54.2% ▲ 40% above avg |
| Unemployment | 8.3% ▲ 69% above avg |
| HS Graduate | 74 (22.4%) |
| Some College | 21 (6.4%) |
| Associates | 56 (17%) |
| Bachelors | 56 (17%) |
| Graduate Degree | 123 (37.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $87,604 ▲ 15% above avg ↑ 112% since 2019 |
|---|---|
| Median Home Value | $223,200 ▼ 20% below avg ↑ 61% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Total Units | 305 |
| Vacant Units | 93 |
| Avg HH Size | 1.68 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 305 |
|---|---|
| Vacant | 93 |
| Owner Occupied | 87.3% |
| Renter Occupied | 12.7% |
| Avg HH Size | 1.68 |
ZIP code 28909 is located in Warne, North Carolina, within Clay County. With a population of 356, this is a sparsely populated ZIP code with an older community — the median age is 59.9 years. Economically, 28909 is a middle-income ZIP code: the median household income of $87,604 is near the national average.
Real estate in ZIP code 28909 represents an affordable housing market. The median home value of $223,200 is below the national average. Homeownership is strong here — 87.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 61% since 2019.
The population of 28909 is primarily White (73.60%). Residents are well-educated — 54.2% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 10.1%. Household income has grown by 112% since 2019.
The unemployment rate in 28909 stands at 8.3%, which is significantly above the national average. About 13% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 87%.
Overall, ZIP code 28909 in Warne, NC is characterized as middle-income, well-educated, an older community, and predominantly owner-occupied. With 356 residents, a median household income of $87,604, and a median home value of $223,200, it offers a clear picture of life in this part of North Carolina.