ZIP Code 28909

ZIP code 28909 is classified by USPS as a standard delivery area and covers roughly 25.6 square miles in Warne, Clay County, North Carolina. The area is home to 1,030 residents, producing a population density of 40 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 28909 against North Carolina and the nation.

On the economic side, the median household income for ZIP 28909 sits at $80,875 (17% above the North Carolina average), while per-capita income is $25,235. The poverty rate stands at 11.6% and the unemployment rate at 6.6%. On housing, the median home value is $285,400 (10% above the state average) with median rent at — per month, and 93.1% of occupied units are owner-occupied, a direct signal of whether 28909 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 21.0% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is —. We also surface 3 nearby ZIP codes within roughly 10 miles and 2 additional ZIPs sharing Clay County, so you can benchmark 28909 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 →