Clay County, NC ZIP Codes
North Carolina (NC) · 3 ZIP codes · 3 cities
3
ZIP codes
11,309
population (2021)
+6.8%
pop change since 2010
37043
FIPS code
Clay County ZIP code map
About Clay County
Clay County is located in North Carolina and contains 3 ZIP codes across 3 cities and communities.
The county's population was 11,309 as of 2021,
an increase of
6.8% from 10,587 in 2010.
The timezone is Central Time (observes DST).
The Federal Information Processing System (FIPS) code for Clay County is 37043.
| Population | |
|---|---|
| 2021 population | 11,309 |
| 2010 population | 10,587 |
| Change | +6.8% |
| County details | |
|---|---|
| State | North Carolina |
| FIPS code | 37043 |
| Timezone | Central |
| Daylight saving | Yes |
Cities in Clay County
ZIP codes for Clay County, NC (3)
| ZIP code | City | County | Map |
|---|---|---|---|
| 28902 | Brasstown | Clay | View map |
| 28904 | Hayesville | Clay | View map |
| 28909 | Warne | Clay | View map |
Demographics & statistics
11,529
Population
53.7
Median age
$59,863
Median household income
$34,533
Per capita income
$252,700
Median home value
$264
Median monthly rent
85.9%
Home ownership
13.8%
Poverty rate
6.1%
Unemployment
6,499
Housing units
36.0%
Bachelor's or higher
Age distribution
Male
Female
232
Under 5
278
230
5–9
274
240
10–14
287
383
15–19
459
144
20–24
172
327
25–34
391
539
35–44
644
627
45–54
750
215
55–59
258
684
60–64
817
973
65–74
1,163
586
75–84
700
71
85+
85
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 1,938 | 12.8% |
| 18 and over | 9,591 | 87.2% |
| 65 and over | 3,578 | 33.1% |
| Median age | 53.7 years | |
Race & ethnicity
White
92.5%
Two or more races
2.2%
Hispanic or Latino
1.5%
Asian
1.5%
American Indian / Alaska Native
1%
Black or African American
1%
Native Hawaiian / Pacific Islander
0.1%
Other race
0.1%
| Group | Count | % |
|---|---|---|
| White | 10,836 | 92.5% |
| Two or more races | 253 | 2.2% |
| Hispanic or Latino | 181 | 1.5% |
| Asian | 174 | 1.5% |
| American Indian / Alaska Native | 122 | 1% |
| Black or African American | 116 | 1% |
| Native Hawaiian / Pacific Islander | 14 | 0.1% |
| Other race | 14 | 0.1% |
Household income
Under $10k
9.6%
$10k–$15k
4.1%
$15k–$25k
11.0%
$25k–$35k
12.3%
$35k–$50k
10.2%
$50k–$75k
9.7%
$75k–$100k
16.7%
$100k–$150k
18.0%
$150k–$200k
3.7%
$200k+
4.5%
| Range | % of households |
|---|---|
| Under $10k | 9.6% |
| $10k–$15k | 4.1% |
| $15k–$25k | 11.0% |
| $25k–$35k | 12.3% |
| $35k–$50k | 10.2% |
| $50k–$75k | 9.7% |
| $75k–$100k | 16.7% |
| $100k–$150k | 18.0% |
| $150k–$200k | 3.7% |
| $200k+ | 4.5% |
| Median income | $59,863 |
Housing
Home values
Under $50k
12.2%
$50k–$100k
6.1%
$100k–$150k
4.1%
$150k–$200k
11.9%
$200k–$300k
29.3%
$300k–$500k
26.9%
$500k–$1M
9.1%
$1M+
0.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $252,700 |
| Median rent / month | $264 |
| Owner occupied | 85.9% |
| Renter occupied | 14.1% |
| Vacant | 39.9% |
| Single-family detached | 79.5% |
| Large apartment buildings | 1.2% |
| Mobile homes | 17.9% |
| Median rooms | 5.6 |
| Avg household size (owned) | 2.18 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 6.2% |
| 2000–2009 | 24.2% |
| 1990–1999 | 23.3% |
| 1980–1989 | 12.2% |
| 1970–1979 | 19.6% |
| 1960–1969 | 2.1% |
| 1950–1959 | 8.8% |
| 1940–1949 | 1.8% |
| 1939 or earlier | 1.7% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.4% |
| 1 bedroom | 3.7% |
| 2 bedrooms | 28.0% |
| 3 bedrooms | 48.9% |
| 4 bedrooms | 14.5% |
| 5+ bedrooms | 3.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.4% |
| 1 vehicle | 31.0% |
| 2 vehicles | 38.2% |
| 3 or more | 26.3% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 3.1% |
| Electricity | 63.1% |
| Propane / LP gas | 20.8% |
| Fuel oil | 2.9% |
| Wood | 9.8% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,686 | 42.8% |
| Cohabiting couple | 132 | 5.3% |
| Male householder, no spouse | 901 | 18.5% |
| Female householder, no spouse | 1,277 | 33.5% |
| Households with children under 18 | 815 | 12.4% |
| Households with seniors (65+) | 2,470 | 52.7% |
| Average household size | 2.15 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 25.1% | 14.9% |
| Married | 50.1% | 48.5% |
| Separated | 2.3% | 3.9% |
| Widowed | 6.5% | 12.7% |
| Divorced | 16.0% | 19.9% |
Education
Less than 9th grade
2.3%
Some HS, no diploma
4.8%
HS graduate
25.8%
Some college, no degree
19.1%
Associate's degree
12.0%
Bachelor's degree
21.3%
Graduate / professional
14.6%
| Metric | % |
|---|---|
| HS diploma or higher | 92.9% |
| Bachelor's or higher | 36.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 68 | 1.3% |
| Kindergarten | 94 | 35.0% |
| Elementary school | 846 | 26.5% |
| High school | 393 | 9.3% |
| College / grad school | 556 | 27.9% |
Employment
Industry of employment
Education & healthcare
20.5%
Construction
14.0%
Professional & management
13.3%
Retail trade
11.5%
Arts, food & hospitality
11.0%
Manufacturing
10.9%
Wholesale trade
5.8%
Public administration
3.7%
Other services
3.7%
Agriculture & mining
1.8%
Finance & real estate
1.7%
Transportation & utilities
1.6%
Information
0.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 50.0% |
| Service | 17.2% |
| Sales & office | 11.7% |
| Natural resources & construction | 8.4% |
| Production & transportation | 12.7% |
Employment type
| Type | % |
|---|---|
| Private sector | 73.8% |
| Government | 14.2% |
| Self-employed | 12.0% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 70.6% |
| Carpool | 7.5% |
| Public transit | 0.0% |
| Walk | 5.8% |
| Other means | 1.1% |
| Avg commute (minutes) | 23.8 |
Poverty
All people
13.8%
Under 18 years
6.1%
18 and over
14.4%
Married-couple families
3.8%
Female-led households
2.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 59.1% |
| Retirement income | 23.9% |
| Supplemental Security | 4.7% |
| Cash public assistance | 1.6% |
| Food stamps / SNAP | 13.0% |
Health indicators
| Condition | % |
|---|---|
| High blood pressure | 38.9% |
| High cholesterol | 39.5% |
| Heart disease | 8.7% |
| Stroke | 4.0% |
| Asthma | 9.2% |
| Arthritis | 31.2% |
| Kidney disease | 3.6% |
| Pulmonary disease | 9.3% |
| Cancer | 8.3% |
| Behavior / access | % |
|---|---|
| Binge drinking | 14.5% |
| No physical activity | 24.0% |
| Less than 7 hrs sleep | 30.9% |
| Fair or poor health | 15.8% |
| Poor mental health | 14.0% |
| Poor physical health | 12.4% |
| No health insurance | 16.4% |
| Visited doctor (checkup) | 79.7% |
| Visited dentist | 64.2% |
| Cholesterol screening | 91.2% |
| Teeth loss | 14.8% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 775 | 6.6% |
| Disability | % |
|---|---|
| Any disability | 19.4% |
| Under 18 | 1.9% |
| 18–64 years | 12.3% |
| 65 and over | 39.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 53.6% |
| Public insurance | 49.7% |
| Uninsured under 19 | 1.6% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 11,019 | 96.0% |
| Spanish | 167 | 0.6% |
| Other Indo-European | 89 | 0.3% |
| Asian & Pacific Islander | 17 | 0.1% |
| Other languages | 61 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 11,028 | 95.0% |
| Born in same state | 10,974 | 94.8% |
| Born in different state | 3,704 | 24.7% |
| Foreign born | 54 | 0.2% |
| Naturalized citizen | 501 | 5.0% |
| Not a US citizen | 420 | 87.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 1,926 | 16.7% |
| Italian | 1,196 | 10.4% |
| Arab | 807 | 7% |
| Polish | 49 | 0.4% |
| Ancestry | Count | % |
|---|---|---|
| German | 30 | 0.3% |
| English | 22 | 0.2% |
| Irish | 2 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 46.9% |
| Internet access | 89.6% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
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