Zip code 28909: Warne, North Carolina

Q: What city is zip code 28909?

28909 is assigned to Warne, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28909 in?

28909 is in Clay County, North Carolina.

Q: What is the population of 28909?

About 1,002 people live in 28909, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28909?

The median household income in 28909 is $80,875.

Q: What zip codes are near 28909?

The closest zip codes to 28909 are 30582, 28902, 30514, 30512, 28904.

Residential delivery areaClay CountyEastern Time

Population

1,002

Median household income

$81K

U.S. $81K

Median home value

$285K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

39.6

U.S. 38.9

Land area

9.5 sq mi

105 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 28909

28909 is a small-town zip code in Warne, North Carolina (Clay County), covering 9.5 sq mi of land. About 1,002 people live here, or 105 per square mile. The median resident is 39.6 years old, compared with 38.9 nationally.

The median household earns $80,875 a year, close to the national median of $80,734. 11.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $285,400, or 3.5 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 93% of occupied homes are lived in by their owners.

21% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.2 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in sales; construction and repair; and healthcare. 24% of them are self-employed (U.S.: 10%).

How 28909 compares

Sorted from highest to lowest national percentile

Uninsured rate42.1%
99th
WeaknessU.S. 8.4% · NC 9.9%9th of 797 in NC
Housing vacancy38.3%
99th
U.S. 10.1% · NC 12.5%74th of 789 in NC
Residents under 1835.8%
99th
U.S. 22% · NC 21.8%12th of 802 in NC
Self-employed workers24.1%
99th
U.S. 10% · NC 9.8%29th of 798 in NC
Homeownership rate93.1%
98th
StrengthU.S. 65.2% · NC 66.6%43rd of 788 in NC
Veterans10.3%
91st
U.S. 6.2% · NC 7.4%163rd of 801 in NC
Median earnings per worker$65,778
83rd
StrengthU.S. $49,666 · NC $46,27944th of 788 in NC
Government workers18.7%
80th
U.S. 14.5% · NC 13.8%213th of 798 in NC
Residents 65 and older21.1%
79th
U.S. 17.2% · NC 17.2%327th of 802 in NC
Unemployment rate6.6%
75th
U.S. 5.2% · NC 4.7%174th of 799 in NC
Broadband access93.5%
62nd
U.S. 91% · NC 90.1%168th of 788 in NC
Median age39.6
54th
U.S. 38.9 · NC 39.1529th of 802 in NC
Poverty rate11.6%
54th
U.S. 12.5% · NC 13%453rd of 788 in NC
Median household income$80,875
51st
U.S. $80,734 · NC $72,388163rd of 748 in NC
Median home value$285,400
41st
U.S. $332,700 · NC $288,900251st of 757 in NC
Income inequality (Gini)0.423
40th
U.S. 0.483 · NC 0.477437th of 781 in NC
Healthcare workers8.3%
32nd
U.S. 9.7% · NC 9.5%472nd of 798 in NC
Bachelor's degree or higher21%
23rd
U.S. 35.7% · NC 35.7%446th of 799 in NC
Average commute21.2 min
19th
StrengthU.S. 26.4 min · NC 25.1 min658th of 771 in NC
Work from home7.5%
19th
U.S. 15.1% · NC 16.3%490th of 799 in NC
Population density105/sq mi
14th
U.S. 95/sq mi · NC 221/sq mi475th of 802 in NC
Per capita income$25,235
8th
WeaknessU.S. $44,673 · NC $41,385686th of 799 in NC
Diversity index14.7
8th
U.S. 61.4 · NC 58.4717th of 802 in NC
Population1,002
1st
U.S. 334,922,499 · NC 10,730,404690th of 802 in NC
Foreign-born residents0%
1st
U.S. 14.1% · NC 9.1%750th of 802 in NC
Rent-burdened renters0%
1st
StrengthU.S. 51.1% · NC 48.9%737th of 760 in NC
Tech workers0%
1st
U.S. 3.8% · NC 3.9%669th of 798 in NC

Measure	28909	Clay	NC	U.S.	National percentile	Rank in NC
Uninsured rateWeakness	42.1%	15.9%	9.9%	8.4%	99th	9th of 797
Housing vacancy	38.3%	32.2%	12.5%	10.1%	99th	74th of 789
Residents under 18	35.8%	16.1%	21.8%	22%	99th	12th of 802
Self-employed workers	24.1%	17.8%	9.8%	10%	99th	29th of 798
Homeownership rateStrength	93.1%	81.2%	66.6%	65.2%	98th	43rd of 788
Veterans	10.3%	6.6%	7.4%	6.2%	91st	163rd of 801
Median earnings per workerStrength	$65,778	$41,050	$46,279	$49,666	83rd	44th of 788
Government workers	18.7%	15.8%	13.8%	14.5%	80th	213th of 798
Residents 65 and older	21.1%	32.8%	17.2%	17.2%	79th	327th of 802
Unemployment rate	6.6%	2.6%	4.7%	5.2%	75th	174th of 799
Broadband access	93.5%	83.3%	90.1%	91%	62nd	168th of 788
Median age	39.6	55	39.1	38.9	54th	529th of 802
Poverty rate	11.6%	12.9%	13%	12.5%	54th	453rd of 788
Median household income	$80,875	$56,971	$72,388	$80,734	51st	163rd of 748
Median home value	$285,400	$278,400	$288,900	$332,700	41st	251st of 757
Income inequality (Gini)	0.423	0.477	0.477	0.483	40th	437th of 781
Healthcare workers	8.3%	10.2%	9.5%	9.7%	32nd	472nd of 798
Bachelor's degree or higher	21%	31.8%	35.7%	35.7%	23rd	446th of 799
Average commuteStrength	21.2 min	23.2 min	25.1 min	26.4 min	19th	658th of 771
Work from home	7.5%	8.1%	16.3%	15.1%	19th	490th of 799
Population density	105/sq mi	54/sq mi	221/sq mi	95/sq mi	14th	475th of 802
Per capita incomeWeakness	$25,235	$40,205	$41,385	$44,673	8th	686th of 799
Diversity index	14.7	18.4	58.4	61.4	8th	717th of 802
Population	1,002	11,610	10,730,404	334,922,499	1st	690th of 802
Foreign-born residents	0%	3.4%	9.1%	14.1%	1st	750th of 802
Rent-burdened rentersStrength	0%	40.4%	48.9%	51.1%	1st	737th of 760
Tech workers	0%	2.4%	3.9%	3.8%	1st	669th of 798

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

19%

Under 5

17%

5–17

18–24

25–34

15%

35–44

45–54

55–64

12%

65–74

75+

Median age

39.6

Under 18

35.8%

65 and over

21.1%

Race and ethnicity

White92%
Black5%
Hispanic0%
Asian0%
Native American1%
Pacific Islander0%
Other1%
Multiracial0.3%

Diversity index

14.7

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

32.6%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 261
Average household size: 3.8
Family households: 60.9%
Married couples: 47.5%
Living alone: 39.1%
Veterans (of adults): 10.3%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

22%

$50–75k

13%

$75–100k

13%

$100–150k

10%

$150–200k

22%

$200k+

Median household income

28909

$80,875

Clay Co.

$56,971

North Carolina

$72,388

United States

$80,734

Per capita income

$25,235

U.S. $44,673

Poverty rate

11.6%

U.S. 12.5%

Households earning $150K+

28.7%

U.S. 23%

Income inequality (Gini)

0.423

U.S. 0.483

Housing

Median home value

28909

$285,400

Clay Co.

$278,400

North Carolina

$288,900

United States

$332,700

Median gross rent

28909

—

Clay Co.

$804

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

94%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 423
Owner-occupied: 93.1%
Vacant: 38.3%
Median year built: 1988
Median rooms: 6.1
Renters paying 30%+ of income: 0%
Renters paying 50%+ of income: 0%
Home value to income: 3.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

93%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

24%

10–19

40%

20–29

22%

30–44

45–59

60+

Average commute

21.2 min

U.S. 26.4 min

Unemployment

6.6%

U.S. 5.2%

In labor force

40.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

22%

Construction and repair

21%

Healthcare

Transportation and moving

Management

Business and finance

Education

Office and admin

Police and fire

Production

Engineering and science

Computer and math

Legal and social services

Arts, media and sports

Food service

Cleaning and personal care

Farming, fishing and forestry

Industries

Retail

41%

Education

14%

Professional and technical services

14%

Agriculture and mining

Public administration

Transportation, warehousing and utilities

Manufacturing

Construction

Health care and social assistance

Restaurants and hotels

Finance, insurance and real estate

Admin, support and management

Other services

Wholesale

Information

Arts and recreation

Median earnings per worker

$65,778

U.S. $49,666

Self-employed

24.1%

U.S. 10%

Government workers

18.7%

U.S. 14.5%

Nonprofit workers

7.1%

U.S. 8.8%

Median earnings by type of work

Type of work	28909	U.S.
Management, business, science and arts	$44,107	$74,888
Service	—	$26,804
Sales and office	—	$40,476
Construction and maintenance	—	$49,199
Production and transportation	$29,375	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

23%

Some college

40%

Associate's

16%

Bachelor's

14%

Graduate

High school graduate or higher: 100%
Bachelor's degree or higher: 21%
Graduate or professional degree: 7.5%
Households with broadband: 93.5%
Cable, fiber or DSL: 52.5%
No internet access: 6.5%
Without health insurance: 42.1%
Limited-English households: 0%

Geography

City (USPS): Warne
State: North Carolina
County: Clay County
Center point: 35.0011° N, 83.9033° W
Land area: 9.5 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 28909

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
30582	Young Harris, GA	3.1 mi	5,284	$59,360	$329,900
28902	Brasstown, NC	3.5 mi	986	$88,456	$252,700
30514	Blairsville, GA · PO box	9.2 mi	—	—	—
30512	Blairsville, GA	11 mi	24,929	$66,642	$313,300
28904	Hayesville, NC	11 mi	10,050	$56,480	$284,500
28905	Marble, NC	11 mi	3,056	$57,708	$228,200
30546	Hiawassee, GA	12 mi	8,096	$59,234	$295,000
28906	Murphy, NC	15 mi	20,526	$55,759	$250,300
28901	Andrews, NC	15 mi	5,552	$44,792	$158,200
28903	Culberson, NC · PO box	15 mi	—	—	—
30545	Helen, GA	18 mi	683	$86,591	$370,300
30560	Morganton, GA	19 mi	4,295	$66,016	$321,300

Zip codes like 28909 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 28909

What city is zip code 28909?

28909 is assigned to Warne, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28909 in?

28909 is in Clay County, North Carolina.

What is the population of 28909?

About 1,002 people live in 28909, according to the Census Bureau's American Community Survey.

What time zone is 28909 in?

28909 is in Eastern Time.

What is the median household income in 28909?

The median household income in 28909 is $80,875.

What zip codes are near 28909?

The closest zip codes to 28909 are 30582, 28902, 30514, 30512, 28904.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28909, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.