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County ZIP codes · North Carolina · FIPS 37043

Clay County, NC ZIP Codes

Clay County, North Carolina has 4 ZIP codes (Census 2020 ZCTA-county file; GeoNames postal codes, October 2026), all residential. 3 of the residential ones lie mainly in Clay County and 1 mainly in a neighboring county; 2 cross the county line. Median household income ranges from $54,021 in 28734 (Franklin) to $56,480 in 28904 (Hayesville) (Census Bureau, ACS 2020-2024).

  • ACS2020-24
  • Census2020

Where are the ZIP codes of Clay County?

28734 · Franklin: $54k28902 · Brasstown: $89k28904 · Hayesville: $57k28909 · Warne: $81k2873428904289022890928734 · Franklin: $54k28902 · Brasstown: $89k28904 · Hayesville: $57k28909 · Warne: $81k2873428904289022890928734 · Franklin: $54k28902 · Brasstown: $89k28904 · Hayesville: $57k28909 · Warne: $81k287342890428902
The residential ZIP codes of Clay County (whole outlines, including the parts in neighboring counties), shaded by median household income in national fifths (ACS 2020-2024).<$54.1k$98.1k+no figure

Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries; ACS 2020-2024 5-year estimates (B19013).

How different are its ZIP codes?

They carry 4 postal town names: Franklin, Hayesville, Warne, Brasstown.

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B19013).

All 4 residential ZIP codes in Clay County

3 ZIP codes lie mainly in Clay County; 1 more reaches into it from a neighboring county and follows the first table.

Residential ZIP codes mainly in Clay County, largest first; "In this county" is the share of the ZIP's land in the county
In this county
28904 Hayesville 10,050 54 $57k $285k 100%
28909 Warne 1,002 105 $81k $285k 100%
28902 Brasstown 986 44 $89k $253k 67%

Partly in Clay County

Residential ZIP codes mainly in another county that reach at least 1% into Clay County, by their share here
In this county
28734 Franklin 29,659 99 $54k $229k 1%

Download the 4 ZIP codes as CSV

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; county shares by land area (Census 2020 ZCTA-county relationship file).

Which ZIP codes cross the county line?

2 ZIP codes of Clay County extend into another county. A ZIP code follows mail routes, not county borders.

Share of each ZIP code's land in Clay County and in the neighboring counties
ZIPIn ClayElsewhere
287341%Macon County99%
2890267%Cherokee County33%

Source: U.S. Census Bureau, 2020 ZCTA-county relationship file (shares of land area).

Which first three digits do Clay County's ZIP codes use?

The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Clay County's ZIP codes use 2 prefixes: 287 and 289.

Three-digit prefixes of Clay County's ZIP codes, the sectional center for each (USPS labeling list L005, effective October 1, 2026) and how many of the prefix's codes are Clay County's
PrefixSectional centerHereAll codes
287Greenville, SC (SCF 296)187
289Greenville, SC (SCF 296)37

Source: U.S. Postal Service, labeling list L005 (3-digit ZIP Code prefix groups, SCF sortation), effective October 1, 2026.