ZIP Code 28904 Demographics

Clay County, North Carolina  ·  ACS 2022 5-Year Estimates

ACS 2022 Data

Population & Income Overview

Key statistics for ZIP code 28904 compared to county averages.

Total Population

10,255

↓ 8.3% vs county

Median HH Income

$59,863

↑ +4.9% vs county

Median Home Value

$255,100

↑ +1.3% vs county

Median Age

53.8 yrs

↑ 0.6% vs county

Unemployment Rate

3.5%

↑ 11.1% vs county

Income & Housing Comparison

How ZIP 28904 compares to Clay County and North Carolina overall. Data from ACS 2022 5-year estimates.

Median Household Income ZIP 28904 $60k Clay $57k North Carolina $66k

Source: ACS 2022 5-Year Estimates, Table B19013

Median Home Value ZIP 28904 $255k Clay $252k North Carolina $235k

Source: ACS 2022 5-Year Estimates, Table B25077

Education & Employment

Bachelor's Rate

17.5%

of adults 25+ hold a bachelor's degree or higher

Owner Occupancy

79.3%

of occupied housing units are owner-occupied

Median Gross Rent

$793

per month including utilities

Rent vs. Buy Affordability

Compare estimated monthly costs of home ownership vs renting in ZIP Code 28904 using local Census metrics.

Median Home Value$255,100
Down Payment (20%)$51,020
Interest Rate6.5%
Loan Term

Estimated Monthly Costs

Buy (Mortgage, Tax, Ins.)
$1,619P&I: $1290 | Tax: $255 | Ins: $74
Rent (Local Median)
$793
Renting is CheaperRenting is estimated to save you $826/month compared to buying costs.

How Does 28904 Compare?

Enter another ZIP code to see a side-by-side comparison.

Location & Neighboring Areas

Interactive map showing ZIP code 28904 (blue pin) and surrounding areas (purple pins). Click pins to view details.

Nearby ZIP Codes

ZIP codes geographically closest to 28904, sorted by distance.

30546 10.7 mi away towns county 28909 10.9 mi away clay county 30582 12.6 mi away towns county 28902 13.2 mi away clay county 30512 19.8 mi away union county 30535 34.4 mi away habersham county 30563 37.6 mi away habersham county 30531 38.9 mi away habersham county

About Clay County

Clay County is located in North Carolina and has a total population of 11,186. The county's median household income is $57,065 and median home value is $251,900. ZIP code 28904 is one of many ZCTAs within this county.

View all ZIP codes in Clay County

Data source: American Community Survey (ACS) 2022 5-Year Estimates, U.S. Census Bureau. ZCTAs (ZIP Code Tabulation Areas) are used as proxies for USPS ZIP codes. Some USPS ZIP codes may not have a corresponding ZCTA.