ZIP Code 28640

ZIP code 28640 is classified by USPS as a standard delivery area and covers roughly 100.6 square miles in Jefferson, Ashe County, North Carolina. The area is home to 4,719 residents, producing a population density of 47 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 28640 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28640 sits at $53,155 (23% below the North Carolina average), while per-capita income is $34,864. The poverty rate stands at 14.8% and the unemployment rate at 3.9%. On housing, the median home value is $282,900 (9% above the state average) with median rent at $797 per month, and 72.2% of occupied units are owner-occupied, a direct signal of whether 28640 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 22.0% of adults hold a bachelor's degree or higher, the median age is 51.7, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Ashe County, so you can benchmark 28640 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →