PlainZIP

Warne, NC · standard

ZIP Code 28909

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

1,030
40/sq mi
$80,875
Median income
$285,400
Median home value
21.0%
Bachelor's or higher

The verdict

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

Top 37%
household income, US ZIPs
Top 36%
home value, US ZIPs
40
people per sq mi
93%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28909 against every reporting US ZIP.

ZIP code 28909 is a sparsely populated ZIP (a standard USPS delivery area) in Warne, Clay County, North Carolina, home to just 1,030 residents across 25.6 square miles, a density of 40 people per square mile, in the New York time zone.

ZIP 28909 lands in the middle-income range, with a median household income of $80,875 (17% above the North Carolina average), while per-capita income is $25,235. 11.6% of residents live below the poverty line, and the unemployment rate reads 6.6%. Median home value sits at $285,400 (10% above the state average), median rent at - a month, and owner-occupancy at 93.1%.

Educational attainment sits below the national norm: 21.0% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is -. To put 28909 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 2 additional ZIPs in Clay 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 28909, Warne, 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

1,030

Population

25.6

Area (sq mi)

40

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 28909?

39.6

Median Age

51.5%

Male

48.5%

Female

0.0%

Foreign-Born

White 92.2%
African American 4.9%
Asian 0.0%
American Indian or Alaska Native 1.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.3%
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?

$80,875

Median Household Income

+17% vs state

$25,235

Per Capita Income

11.6%

Poverty Rate

6.6%

Unemployment Rate

How ZIP 28909 ranks nationally

Warne, NC household income vs. every US ZIP code

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

$80,875 Top 37% higher than 63% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 43.9%
Bachelor's Degree or Higher 21.0%

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

What does housing look like?

423

Total Housing Units

261

Occupied Units

162

Vacant Units

3.84

Avg Household Size

Occupancy Type

Owner 93.1%
Renter 6.9%

$285,400

Median Home Value

+10% vs state

1988

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 11 business establishments in ZIP 28909, employing approximately 31 people with a combined annual payroll of $1,778,000.

11

Businesses

31

Employees

$1.8M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Construction 3 27.3%

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 28909 vs 30582 →

ZIP 28909 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 28909 ranks #4 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 28909 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 28909 ranks #2 of 4 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
30582 Young Harris, GA 4,567 3.5 mi
28902 Brasstown, NC 1,373 3.4 mi
30512 Blairsville, GA 19,490 10.7 mi

More ZIP Codes in Clay County

28904 standard
Hayesville, NC
Pop: 8,533
28902 standard
Brasstown, NC
Pop: 1,373

Related Areas

Clay County Warne, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28909 in? ▼
ZIP code 28909 (Warne) is located in Clay County, North Carolina. Clay County contains multiple ZIP codes, see the full list at /counties/clay-nc.
What is the population of ZIP code 28909? ▼
ZIP code 28909 in Warne, NC has a population of 1,030 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28909? ▼
The median household income in ZIP 28909 is $80,875, which is 6% above the national average of $76,288.
What is the average home value in ZIP 28909? ▼
The median home value in ZIP 28909 is $285,400, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 28909? ▼
The largest racial group in ZIP 28909 is White at 92.2%.
How many businesses are in ZIP code 28909? ▼
ZIP code 28909 has 11 business establishments employing approximately 31 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 28909? ▼
In ZIP code 28909, 43.9% of residents aged 25+ have a high school diploma or higher, and 21.0% 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 28909? ▼
In ZIP code 28909, approximately 93.1% of occupied housing units are owner-occupied and 6.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28909? ▼
The poverty rate in ZIP code 28909 is 11.6% 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.