Todd, NC · standard
ZIP Code 28684
Ashe County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,141
- 16/sq mi Moderate-density area
- $69,307
- Median income Near-median income area
- $325,300
- Median home value Above-median home value
- 57.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Todd pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 46th pct
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 16
- people per sq mi
- 93%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28684 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28684 (Todd, NC) fell -1.0% from 2023 to 2024. The all-transactions index moved from 273.5 in 2023 to 270.7 in 2024 (2000 = 100).
ZIP code 28684 covers 137.2 square miles in Todd, Ashe County, North Carolina (a standard USPS delivery area), with a modest 2,141 residents on file, a density of 16 people per square mile, in the New York time zone.
ZIP 28684 reports a modest median household income of $69,307 (0% above the average North Carolina ZIP), while per-capita income is $41,033. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.2% and unemployment is 3.7%. Housing is both higher-cost and owner-heavy: median home value is $325,300 (25% above the average North Carolina ZIP), while 92.8% of occupied homes are owner-occupied and median rent is $1,284.
This is a highly-educated ZIP: 57.0% of adults hold a bachelor's degree or higher, the median age is 51, and the average commute is -. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Ashe County, so 28684 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 28684, Todd, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
2,141
Population
137.2
Area (sq mi)
16
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 28684?
51.0
Median Age
53.8%
Male
46.2%
Female
2.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$69,307
Median Household Income
+0% vs state ZIP avg
$41,033
Per Capita Income
6.2%
Poverty Rate
3.7%
Unemployment Rate
How ZIP 28684 ranks among North Carolina ZIPs
Todd, NC household income vs. every North Carolina ZIP code
Median household income among 749 reporting North Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$69,307 Top 40% higher than 60% of 749 North Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more North Carolina ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,418housing units
1,418
Total Housing Units
870
Occupied Units
548
Vacant Units
2.25
Avg Household Size
Occupancy Type
$325,300
Median Home Value
+25% vs state ZIP avg
$1,284
Median Rent
1994
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-1.0%
YoY Change (2024)
271
HPI Index (2000 = 100)
+171%
Total Change Since 2000
Home values in ZIP 28684 have decreased 1.0% over the past year (2024). Since 2000, this ZIP has seen +171% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | -2.0% | 164 |
| 2020 | +11.1% | 182 |
| 2021 | +11.5% | 203 |
| 2023 | – | 274 |
| 2024 | -1.0% | 271 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 23 business establishments in ZIP 28684, employing approximately 79 people with a combined annual payroll of $3,557,000.
23
Businesses
79
Employees
$3.6M
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 8 | 34.8% |
| Health care and social assistance | 3 | 13.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 28684 vs 28698 →
ZIP 28684 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28607
Boone (28607)
33,059 residents
- 28694 7,744
West Jefferson (28694)
7,744 residents
- 28626 2,714
Fleetwood (28626)
2,714 residents
- 28618 2,352
Deep Gap (28618)
2,352 residents
- 28698 2,256
Zionville (28698)
2,256 residents
- 28684 2,141
Todd (28684)
2,141 residents
- 28615 1,876
Creston (28615)
1,876 residents
- 28693 1,700
Warrensville (28693)
1,700 residents
- 37691 894
Trade (37691)
894 residents
What this shows Among its immediate neighbors, ZIP 28684 ranks #6 by population - useful context the national average alone can't give.
ZIP 28684 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28626
Fleetwood (28626)
$73,675 median income
- 28684
Todd (28684)
$69,307 median income
- 28693
Warrensville (28693)
$62,596 median income
- 28618
Deep Gap (28618)
$59,653 median income
- 28694
West Jefferson (28694)
$58,486 median income
- 28698
Zionville (28698)
$54,402 median income
- 28615
Creston (28615)
$51,653 median income
- 28607
Boone (28607)
$46,639 median income
- 37691 $13,976
Trade (37691)
$13,976 median income
What this shows By household income, ZIP 28684 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28684, both outside NC so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,141 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ashe County
Related Areas
Frequently Asked Questions
What county is ZIP code 28684 in?
ZIP code 28684 (Todd) is located in Ashe County, North Carolina. Ashe County contains multiple ZIP codes, see the full list at /counties/ashe-nc.
What is the population of ZIP code 28684?
ZIP code 28684 in Todd, NC has a population of 2,141 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28684?
The median household income in ZIP 28684 is $69,307, which is 9% below the national average of $76,288.
What is the average home value in ZIP 28684?
The median home value in ZIP 28684 is $325,300, which is 17% above the national average of $278,155.
What is the demographic makeup of ZIP 28684?
The largest racial group in ZIP 28684 is White at 98.2%.
How many businesses are in ZIP code 28684?
ZIP code 28684 has 23 business establishments employing approximately 79 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 28684?
According to the FHFA House Price Index, home values in ZIP 28684 decreased by 1.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 171%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 28684?
In ZIP code 28684, 79.0% of residents aged 25+ have a high school diploma or higher, and 57.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 28684?
In ZIP code 28684, approximately 92.8% of occupied housing units are owner-occupied and 7.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28684?
The poverty rate in ZIP code 28684 is 6.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 28684's numbers, next.
- See how ZIP 28684 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Todd, NC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.