28734 ZIP Code — Franklin, NC

Macon County, North Carolina

ZIP code 28734 is located in Franklin, North Carolina, within Macon County. It covers approximately 301.00 square miles and serves a population of 29,040 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28734

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $184,200. Owner-occupancy sits near the national average at 74%.

Median household income is $48,428. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.

15% of residents lack health insurance, above the national average.

29,040

population

301.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28734 ZIP code map

Cities in ZIP code 28734

Below are the cities the US Postal Service accepts for ZIP code 28734. Using any city not on this list may result in mail delivery delays.

City	Status
Franklin	Acceptable
Franklin	Preferred

Nearby ZIP codes

28763 Otto (8.3 mi) 28775 Scaly Mountain (11.5 mi) 28781 Topton (13.1 mi) 30537 Dillard (13.7 mi) 28741 Highlands (14.4 mi) 30568 Rabun Gap (14.6 mi) 28904 Hayesville (16.5 mi) 30525 Clayton (18.8 mi) 28779 Sylva (18.9 mi) 28736 Glenville (19 mi) 28702 Almond (19.1 mi) 28723 Cullowhee (19.6 mi)

Demographics updated 06/2026

Population
Total population	29,040
Population density	96 / sq mi
State FIPS	37
County FIPS	113

Geography
Land area	301.00 sq mi
Water area	1.17 sq mi
Latitude	35.1637
Longitude	-83.4339
Timezone	Eastern (ET)
Area code	828

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	52.1%	44.4%
$50k – $100k	31.9%	30.5%	30.6%
$100k – $200k	10.9%	13.6%	19.1%
Over $200k	2.6%	3.9%	6.0%

Demographics & statistics

29,040

Population

People per sq mi

48.8

Median age

$48,428

Median household income

$29,430

Per capita income

$184,200

Median home value

$821

Median monthly rent

74.3%

Home ownership

16.4%

Poverty rate

3.6%

Unemployment

14,793

Housing units

21.1%

Bachelor's or higher

Age distribution

Male Female

577

Under 5

620

628

5–9

676

881

10–14

947

775

15–19

834

876

20–24

941

1,343

25–34

1,444

1,334

35–44

1,434

1,761

45–54

1,894

1,138

55–59

1,223

993

60–64

1,067

2,121

65–74

2,281

1,154

75–84

1,240

413

85+

445

← Male

Female →

Age summary

Group	Count	%
Under 18	5,443	18.7%
18 and over	23,597	81.3%
65 and over	7,654	26.4%
Median age	48.8 years

Race & ethnicity

White 86.3%

Hispanic or Latino 4.7%

Two or more races 3.7%

Other race 3.1%

Black or African American 1%

Asian 1%

American Indian / Alaska Native 0.3%

Group	Count	%
White	26,275	86.3%
Hispanic or Latino	1,422	4.7%
Two or more races	1,133	3.7%
Other race	944	3.1%
Black or African American	296	1%
Asian	294	1%
American Indian / Alaska Native	98	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	52.1%	44.4%
$50k – $100k	31.9%	30.5%	30.6%
$100k – $200k	10.9%	13.6%	19.1%
Over $200k	2.6%	3.9%	6.0%

Under $10k 6.1%

$10k–$15k 7.8%

$15k–$25k 12.2%

$25k–$35k 10.8%

$35k–$50k 14.8%

$50k–$75k 17.4%

$75k–$100k 12.2%

$100k–$150k 11.5%

$150k–$200k 3.7%

$200k+ 3.6%

Range	% of households
Under $10k	6.1%
$10k–$15k	7.8%
$15k–$25k	12.2%
$25k–$35k	10.8%
$35k–$50k	14.8%
$50k–$75k	17.4%
$75k–$100k	12.2%
$100k–$150k	11.5%
$150k–$200k	3.7%
$200k+	3.6%
Median income	$48,428

Housing

Home values

Under $50k 6.1%

$50k–$100k 10.5%

$100k–$150k 18.9%

$150k–$200k 18.8%

$200k–$300k 21.7%

$300k–$500k 18.9%

$500k–$1M 3.3%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$184,200
Median rent / month	$821
Owner occupied	74.3%
Renter occupied	25.7%
Vacant	26.4%
Single-family detached	73.1%
Large apartment buildings	0.6%
Mobile homes	18.7%
Median rooms	5.1
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.5%
2010–2019	5.3%
2000–2009	17.4%
1990–1999	19.1%
1980–1989	19.8%
1970–1979	20.2%
1960–1969	6.8%
1950–1959	5.0%
1940–1949	2.4%
1939 or earlier	3.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	6.5%
2 bedrooms	36.6%
3 bedrooms	45.9%
4 bedrooms	8.3%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	30.0%
2 vehicles	36.2%
3 or more	26.7%

Heating fuel

Fuel type	%
Utility gas	4.1%
Electricity	68.0%
Propane / LP gas	16.9%
Fuel oil	3.4%
Wood	6.0%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	6,528	48.6%
Cohabiting couple	574	4.3%
Male householder, no spouse	2,367	17.6%
Female householder, no spouse	3,954	29.5%
Households with children under 18	3,156	23.5%
Households with seniors (65+)	5,636	42.0%
Average household size	2.15

Marital status

Status	Male	Female
Never married	24.5%	18.5%
Married	59.4%	51.0%
Separated	1.3%	1.3%
Widowed	3.7%	13.1%
Divorced	11.1%	16.2%

Education

Less than 9th grade 4.6%

Some HS, no diploma 6.0%

HS graduate 35.0%

Some college, no degree 23.0%

Associate's degree 10.3%

Bachelor's degree 14.3%

Graduate / professional 6.8%

Metric	%
HS diploma or higher	89.4%
Bachelor's or higher	21.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	97	1.7%
Kindergarten	174	3.1%
Elementary school	2,641	46.8%
High school	1,487	26.3%
College / grad school	1,248	22.1%

Employment

Industry of employment

Education & healthcare 22.3%

Construction 13.0%

Arts, food & hospitality 12.5%

Retail trade 12.3%

Professional & management 9.6%

Other services 7.3%

Finance & real estate 4.8%

Manufacturing 4.6%

Public administration 4.3%

Transportation & utilities 3.4%

Information 2.5%

Wholesale trade 2.4%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	32.2%
Service	22.4%
Sales & office	20.7%
Natural resources & construction	13.8%
Production & transportation	10.9%

Employment type

Type	%
Private sector	77.7%
Government	15.6%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.6%
Carpool	7.7%
Public transit	0.2%
Walk	1.4%
Work from home	5.1%
Other means	1.0%
Avg commute (minutes)	22.7

Poverty

All people 16.4%

Under 18 years 20.3%

18 and over 15.5%

Married-couple families 6.5%

Female-led households 33.5%

Income support

Source	% of households
Social Security	46.0%
Retirement income	25.4%
Supplemental Security	6.2%
Cash public assistance	1.8%
Food stamps / SNAP	10.6%

Health indicators

Condition	%
Obesity	32.7%
High blood pressure	37.5%
High cholesterol	39.8%
Diabetes	12.4%
Heart disease	9.0%
Stroke	4.1%
Asthma	9.0%
Arthritis	30.7%
Kidney disease	3.7%
Pulmonary disease	9.1%
Cancer	8.5%

Behavior / access	%
Smoking	18.6%
Binge drinking	13.9%
No physical activity	24.1%
Less than 7 hrs sleep	30.3%
Depression	23.2%
Fair or poor health	15.8%
Poor mental health	13.8%
Poor physical health	12.2%
No health insurance	17.5%
Visited doctor (checkup)	79.5%
Visited dentist	63.8%
Cholesterol screening	90.6%
Teeth loss	14.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,200	9.3%

Disability	%
Any disability	17.5%
Under 18	6.3%
18–64 years	12.8%
65 and over	35.2%

Health insurance coverage

Type	%
Private insurance	55.9%
Public insurance	45.2%
No insurance	15.4%
Uninsured under 19	11.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	27,843	95.9%
Spanish	1,122	4.0%
Other Indo-European	931	3.3%
Asian & Pacific Islander	89	0.3%
Other languages	102	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	27,516	94.8%
Born in same state	27,260	93.9%
Born in different state	13,614	46.9%
Foreign born	256	0.9%
Naturalized citizen	1,524	5.2%
Not a US citizen	571	37.5%

Ancestry

Ancestry	Count	%
French	4,341	14.9%
Arab	3,241	11.2%
Italian	3,011	10.4%
English	370	1.3%
Irish	144	0.5%

Ancestry	Count	%
German	132	0.5%
Polish	70	0.2%
Dutch	41	0.1%
Norwegian	40	0.1%

Technology access

Metric	% of households
Computer access	46.2%
Internet access	88.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 28734

What city is ZIP code 28734 in?

ZIP code 28734 is primarily assigned to Franklin, North Carolina.

What county is ZIP code 28734 in?

ZIP code 28734 falls within Macon County, North Carolina.

Does ZIP code 28734 have an older population?

26% of residents in ZIP code 28734 are 65 or older, above the national average of ~17%.

Does ZIP code 28734 have a large retiree population?

46% of households in ZIP code 28734 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 28734?

16% of residents in ZIP code 28734 live below the poverty line, above the national average.

Does ZIP code 28734 have a large veteran population?

9% of civilians in ZIP code 28734 are veterans, above the national average of ~7%.

What timezone is ZIP code 28734 in?

ZIP code 28734 observes the EST timezone.