28904 ZIP Code — Hayesville, NC

Clay County, North Carolina

ZIP code 28904 is located in Hayesville, North Carolina, within Clay County. It covers approximately 186.45 square miles and serves a population of 10,255 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28904

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $255,100. Owner-occupancy is high at 79%, well above the national average.

Median household income is $59,863. 54% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

16% of residents lack health insurance, above the national average.

Overall, ZIP code 28904 reflects a community defined by high homeownership and a significant Social Security-dependent population.

10,255

population

186.45

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28904 ZIP code map

Cities in ZIP code 28904

Below are the cities the US Postal Service accepts for ZIP code 28904. Using any city not on this list may result in mail delivery delays.

City	Status
Hayesville	Preferred

Nearby ZIP codes

28781 Topton (10.3 mi) 28901 Andrews (10.4 mi) 30546 Hiawassee (12.6 mi) 28909 Warne (12.8 mi) 28905 Marble (13.9 mi) 30582 Young Harris (14.8 mi) 28902 Brasstown (14.9 mi) 28734 Franklin (16.5 mi) 28763 Otto (17.1 mi) 30568 Rabun Gap (18.7 mi)

Demographics updated 05/2026

Population
Total population	10,255
Population density	55 / sq mi
State FIPS	37
County FIPS	043

Geography
Land area	186.45 sq mi
Water area	5.77 sq mi
Latitude	35.0739
Longitude	-83.7052
Timezone	Eastern (ET)
Area code	828

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.3%	55.6%	44.4%
$50k – $100k	27.6%	26.4%	30.6%
$100k – $200k	15.9%	14.2%	19.1%
Over $200k	4.3%	3.9%	6.0%

Demographics & statistics

10,255

Population

People per sq mi

53.8

Median age

$59,863

Median household income

$34,779

Per capita income

$255,100

Median home value

$793

Median monthly rent

79.3%

Home ownership

13.1%

Poverty rate

3.5%

Unemployment

5,506

Housing units

28.5%

Bachelor's or higher

Age distribution

Male Female

209

Under 5

231

214

5–9

238

222

10–14

247

389

15–19

431

128

20–24

141

306

25–34

340

523

35–44

579

501

45–54

555

193

55–59

215

660

60–64

732

925

65–74

1,026

531

75–84

589

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,758	17.1%
18 and over	8,497	82.9%
65 and over	3,201	31.2%
Median age	53.8 years

Race & ethnicity

White 93.1%

Two or more races 2%

Hispanic or Latino 1.7%

American Indian / Alaska Native 1.1%

Asian 1.1%

Black or African American 0.7%

Other race 0.1%

Group	Count	%
White	9,719	93.1%
Two or more races	212	2%
Hispanic or Latino	181	1.7%
American Indian / Alaska Native	117	1.1%
Asian	115	1.1%
Black or African American	78	0.7%
Other race	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.3%	55.6%	44.4%
$50k – $100k	27.6%	26.4%	30.6%
$100k – $200k	15.9%	14.2%	19.1%
Over $200k	4.3%	3.9%	6.0%

Under $10k 1.7%

$10k–$15k 12.3%

$15k–$25k 10.7%

$25k–$35k 10.2%

$35k–$50k 11.1%

$50k–$75k 13.7%

$75k–$100k 11.5%

$100k–$150k 20.4%

$150k–$200k 4.0%

$200k+ 4.3%

Range	% of households
Under $10k	1.7%
$10k–$15k	12.3%
$15k–$25k	10.7%
$25k–$35k	10.2%
$35k–$50k	11.1%
$50k–$75k	13.7%
$75k–$100k	11.5%
$100k–$150k	20.4%
$150k–$200k	4.0%
$200k+	4.3%
Median income	$59,863

Housing

Home values

Under $50k 6.6%

$50k–$100k 5.1%

$100k–$150k 8.3%

$150k–$200k 9.5%

$200k–$300k 30.1%

$300k–$500k 24.5%

$500k–$1M 14.6%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$255,100
Median rent / month	$793
Owner occupied	79.3%
Renter occupied	20.7%
Vacant	31.2%
Single-family detached	79.4%
Large apartment buildings	3.6%
Mobile homes	12.7%
Median rooms	5.6
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.2%
2010–2019	8.4%
2000–2009	21.7%
1990–1999	20.7%
1980–1989	17.8%
1970–1979	17.0%
1960–1969	5.4%
1950–1959	2.4%
1940–1949	3.2%
1939 or earlier	3.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	4.7%
2 bedrooms	24.6%
3 bedrooms	50.9%
4 bedrooms	12.5%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	7.9%
1 vehicle	28.9%
2 vehicles	35.6%
3 or more	27.6%

Heating fuel

Fuel type	%
Utility gas	2.4%
Electricity	61.2%
Propane / LP gas	26.8%
Fuel oil	3.5%
Wood	5.3%

Households & families

Household type	Count	%
Married-couple family	2,454	55.6%
Cohabiting couple	101	2.3%
Male householder, no spouse	800	18.1%
Female householder, no spouse	1,061	24.0%
Households with children under 18	745	16.9%
Households with seniors (65+)	2,176	49.3%
Average household size	2.30

Marital status

Status	Male	Female
Never married	24.9%	15.4%
Married	59.3%	57.8%
Separated	2.6%	2.6%
Widowed	1.4%	10.0%
Divorced	11.8%	14.2%

Education

Less than 9th grade 3.7%

Some HS, no diploma 8.4%

HS graduate 25.0%

Some college, no degree 21.8%

Associate's degree 12.5%

Bachelor's degree 17.5%

Graduate / professional 11.0%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	28.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	68	4.0%
Kindergarten	84	4.9%
Elementary school	760	44.7%
High school	379	22.3%
College / grad school	408	24.0%

Employment

Industry of employment

Education & healthcare 22.7%

Retail trade 17.0%

Arts, food & hospitality 12.9%

Construction 9.7%

Professional & management 8.6%

Other services 7.7%

Finance & real estate 5.1%

Transportation & utilities 4.9%

Manufacturing 4.5%

Public administration 3.2%

Information 1.7%

Wholesale trade 1.0%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	37.1%
Service	18.6%
Sales & office	23.8%
Natural resources & construction	10.8%
Production & transportation	9.8%

Employment type

Type	%
Private sector	78.2%
Government	12.3%
Self-employed	9.1%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	76.9%
Carpool	12.6%
Public transit	0.1%
Walk	0.9%
Work from home	6.1%
Other means	3.4%
Avg commute (minutes)	24.7

Poverty

All people 13.1%

Under 18 years 5.3%

18 and over 14.7%

Married-couple families 8.1%

Female-led households 8.1%

Income support

Source	% of households
Social Security	54.1%
Retirement income	28.3%
Supplemental Security	8.9%
Cash public assistance	1.4%
Food stamps / SNAP	11.0%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	39.8%
High cholesterol	40.3%
Diabetes	12.4%
Heart disease	9.2%
Stroke	4.1%
Asthma	8.9%
Arthritis	32.0%
Kidney disease	3.8%
Pulmonary disease	9.2%
Cancer	8.9%

Behavior / access	%
Smoking	18.4%
Binge drinking	14.0%
No physical activity	23.7%
Less than 7 hrs sleep	30.1%
Depression	22.7%
Fair or poor health	15.5%
Poor mental health	13.4%
Poor physical health	12.2%
No health insurance	16.0%
Visited doctor (checkup)	80.3%
Visited dentist	65.5%
Cholesterol screening	91.7%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	714	8.4%

Disability	%
Any disability	15.9%
Under 18	5.8%
18–64 years	10.3%
65 and over	31.2%

Health insurance coverage

Type	%
Private insurance	58.2%
Public insurance	45.8%
No insurance	15.7%
Uninsured under 19	4.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,815	95.7%
Spanish	167	1.7%
Other Indo-European	89	0.9%
Asian & Pacific Islander	17	0.2%
Other languages	61	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,832	95.9%
Born in same state	9,778	95.3%
Born in different state	3,450	33.6%
Foreign born	54	0.5%
Naturalized citizen	423	4.1%
Not a US citizen	355	83.9%

Ancestry

Ancestry	Count	%
French	1,699	16.6%
Italian	1,083	10.6%
Arab	766	7.5%
Polish	49	0.5%

Ancestry	Count	%
German	30	0.3%
English	22	0.2%
Irish	2	0%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	87.0%

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

Frequently asked questions about ZIP code 28904

What city is ZIP code 28904 in?

ZIP code 28904 is primarily assigned to Hayesville, North Carolina.

What county is ZIP code 28904 in?

ZIP code 28904 falls within Clay County, North Carolina.

Does ZIP code 28904 have an older population?

31% of residents in ZIP code 28904 are 65 or older, above the national average of ~17%.

Does ZIP code 28904 have a large retiree population?

54% of households in ZIP code 28904 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 28904?

ZIP code 28904 has an estimated population of 10,255 residents, with a density of 55 people per square mile.

What is the median household income in ZIP code 28904?

The median household income in ZIP code 28904 is $59,863, below the national median of ~$75,000.

What timezone is ZIP code 28904 in?

ZIP code 28904 observes the EST timezone.