Clyde, NC · standard

ZIP Code 28721

Haywood County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

10,063
35/sq mi: $62,279
Median income: $281,800
Median home value: 27.5%
Bachelor's or higher

The verdict

Clyde pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

33th pct
household income, US ZIPs: Top 36%
home value, US ZIPs: 35
people per sq mi: 75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28721 against every reporting US ZIP.

ZIP code 28721 is classified by USPS as a standard delivery area and covers roughly 285.1 square miles in Clyde, Haywood County, North Carolina. The area is home to 10,063 residents, producing a population density of 35 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 28721 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28721 sits at $62,279 (10% below the North Carolina average), while per-capita income is $36,479. The poverty rate stands at 10.8% and the unemployment rate at 0.2%. On housing, the median home value is $281,800 (9% above the state average) with median rent at $1,186 per month, and 75.0% of occupied units are owner-occupied, a direct signal of whether 28721 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.5% of adults hold a bachelor's degree or higher, the median age is 44.3, and the average commute is 24 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Haywood County, so you can benchmark 28721 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 →

Top industries in ZIP 28721

Health care and social assistance

37
Construction

33
Other services (except public administration)

26
Retail trade

24
Professional, scientific, and technical services

12

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 28721, Clyde, NC · 2023 Accessed 2026-06-13 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

10,063

Population

285.1

Area (sq mi)

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 28721?

44.3

Median Age

46.3%

Male

53.7%

Female

2.9%

Foreign-Born

White 90.8%

African American 0.9%

Asian 0.1%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 6.7%

Hispanic or Latino 8.3%

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?

$62,279

Median Household Income

-10% vs state

$36,479

Per Capita Income

10.8%

Poverty Rate

0.2%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 28721 ranks nationally

Household income vs. every US ZIP code

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

$62,279 33rd percentile higher than 33% of 30,318 US ZIPs

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 54.4%

Bachelor's Degree or Higher 27.5%

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

What does housing look like?

5,125

Total Housing Units

4,456

Occupied Units

669

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 75.0%

Renter 25.0%

$281,800

Median Home Value

+9% vs state

$1,186

Median Rent

1990

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

+6.0%

YoY Change (2024)

277

HPI Index (2000 = 100)

+177%

Total Change Since 2000

Home values in ZIP 28721 have increased 6.0% over the past year (2024). Since 2000, this ZIP has seen +177% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+7.9%	172
2021	+11.6%	191
2022	+18.3%	226
2023	+15.4%	261
2024	+6.0%	277

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 195 business establishments in ZIP 28721, employing approximately 1,999 people with a combined annual payroll of $107,905,000.

195

Businesses

1,999

Employees

$107.9M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Health care and social assistance	37	19.0%
Construction	33	16.9%
Other services (except public administration)	26	13.3%
Retail trade	24	12.3%
Professional, scientific, and technical services	12	6.2%
Administrative and support and waste management and remediation services	12	6.2%
Accommodation and food services	9	4.6%
Transportation and warehousing	8	4.1%
Real estate and rental and leasing	8	4.1%
Finance and insurance	7	3.6%
Manufacturing	6	3.1%
Wholesale trade	5	2.6%

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 28721 vs 28745 →

28721

10,063
28785

7,338
28745

551

What this shows Among its immediate neighbors, ZIP 28721 ranks the most populous — useful context the national average alone can't give.

28745

$117,824
28721

$62,279
28785

$61,769

What this shows By household income, ZIP 28721 ranks #2 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
28745	Lake Junaluska, NC	551	8.5 mi
28785	Waynesville, NC	7,338	7.9 mi

More ZIP Codes in Haywood County

Haywood County Clyde, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28721 in? ▼

ZIP code 28721 (Clyde) is located in Haywood County, North Carolina. Haywood County contains multiple ZIP codes, see the full list at /counties/haywood-nc.

What is the population of ZIP code 28721? ▼

ZIP code 28721 in Clyde, NC has a population of 10,063 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 28721? ▼

The median household income in ZIP 28721 is $62,279, which is 18% below the national average of $76,288.

What is the average home value in ZIP 28721? ▼

The median home value in ZIP 28721 is $281,800, which is 1% above the national average of $278,155.

What is the demographic makeup of ZIP 28721? ▼

The largest racial group in ZIP 28721 is White at 90.8%. Hispanic or Latino residents make up 8.3% of the population.

How many businesses are in ZIP code 28721? ▼

ZIP code 28721 has 195 business establishments employing approximately 1,999 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 28721? ▼

The top industries by establishment count in ZIP 28721 are: Health care and social assistance (37), Construction (33), Other services (except public administration) (26). There are 12 industry sectors represented in total.

How have home values changed in ZIP code 28721? ▼

According to the FHFA House Price Index, home values in ZIP 28721 increased by 6.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 177%. 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 28721? ▼

In ZIP code 28721, 54.4% of residents aged 25+ have a high school diploma or higher, and 27.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What is the average commute time in ZIP 28721? ▼

The mean commute time for workers in ZIP code 28721 is 24.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 28721? ▼

In ZIP code 28721, approximately 75.0% of occupied housing units are owner-occupied and 25.0% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 28721? ▼

The poverty rate in ZIP code 28721 is 10.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.