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 Moderate-density area
- $80,875
- Median income Near-median income area
- $285,400
- Median home value Near-median home value
- 21.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average North Carolina ZIP), while per-capita income is $25,235. The poverty rate is 11.6%, with unemployment at 6.6%; those measures add context to the income figure. Median home value is $285,400 (10% above the average North Carolina ZIP); 93.1% of occupied homes are owner-occupied.
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 -. The page also surfaces 3 ZIP codes within roughly 10 miles and 2 more in Clay County, so 28909 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 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
Who lives in ZIP 28909?
39.6
Median Age
51.5%
Male
48.5%
Female
0.0%
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?
$80,875
Median Household Income
+17% vs state ZIP avg
$25,235
Per Capita Income
11.6%
Poverty Rate
6.6%
Unemployment Rate
How ZIP 28909 ranks among North Carolina ZIPs
Warne, 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)
$80,875 Top 22% higher than 78% 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
423housing units
423
Total Housing Units
261
Occupied Units
162
Vacant Units
3.84
Avg Household Size
Occupancy Type
$285,400
Median Home Value
+10% vs state ZIP avg
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.
- 30512
Blairsville (30512)
19,490 residents
- 30582 4,567
Young Harris (30582)
4,567 residents
- 28902 1,373
Brasstown (28902)
1,373 residents
- 28909 1,030
Warne (28909)
1,030 residents
What this shows Among its immediate neighbors, ZIP 28909 ranks #4 by population - useful context the national average alone can't give.
ZIP 28909 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 28902
Brasstown (28902)
$88,456 median income
- 28909
Warne (28909)
$80,875 median income
- 30512
Blairsville (30512)
$66,642 median income
- 30582
Young Harris (30582)
$59,360 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28909, 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 (1,030 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clay County
Related Areas
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.
Related
Take this with you
What to do with ZIP 28909's numbers, next.
- See how ZIP 28909 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Warne, NC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.