PlainZIP

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
$69,307
Median income
$325,300
Median home value
57.0%
Bachelor's or higher

The verdict

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.

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 North Carolina average), while per-capita income is $41,033. 6.2% of residents live below the poverty line, and the unemployment rate reads 3.7%. On housing, the median home value is $325,300 (25% above the state average) with median rent at $1,284 per month, and 92.8% of occupied units are owner-occupied.

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 -. To put 28684 in local context, 8 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Ashe County, for a geography-aware comparison.

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 28684?

51.0

Median Age

53.8%

Male

46.2%

Female

2.0%

Foreign-Born

White 98.2%
African American 0.0%
Asian 0.9%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.8%
Hispanic or Latino 0.0%

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

$41,033

Per Capita Income

6.2%

Poverty Rate

3.7%

Unemployment Rate

How ZIP 28684 ranks nationally

Todd, NC household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$69,307 46th percentile higher than 46% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 79.0%
Bachelor's Degree or Higher 57.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,418

Total Housing Units

870

Occupied Units

548

Vacant Units

2.25

Avg Household Size

Occupancy Type

Owner 92.8%
Renter 7.2%

$325,300

Median Home Value

+25% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 28684 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28684 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
28698 Zionville, NC 2,256 7.0 mi
28626 Fleetwood, NC 2,714 7.0 mi
28607 Boone, NC 33,059 8.6 mi
28694 West Jefferson, NC 7,744 8.0 mi
28615 Creston, NC 1,876 8.9 mi
37691 Trade, TN 894 8.2 mi
28693 Warrensville, NC 1,700 9.5 mi
28618 Deep Gap, NC 2,352 10.6 mi

More ZIP Codes in Ashe County

28694 standard
West Jefferson, NC
Pop: 7,744
28640 standard
Jefferson, NC
Pop: 4,719
28643 standard
Lansing, NC
Pop: 3,521
28626 standard
Fleetwood, NC
Pop: 2,714
28617 standard
Crumpler, NC
Pop: 2,261
28615 standard
Creston, NC
Pop: 1,876

Related Areas

Ashe County Todd, NC North Carolina

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.

Read our methodology to see how this data is sourced, computed, and verified.