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North Carolina ZIP Codes
Haywood County
Lake Junaluska, NC
28745
28745 ZIP Code — Lake Junaluska, NC
Haywood County, North Carolina
ZIP code 28745 is located in
Lake Junaluska ,
North Carolina ,
within Haywood County .
It covers approximately 0.60 square miles and serves a population of
486 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 828 .
About ZIP code 28745
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 $365,300. Owner-occupancy is high at 88%, well above the national average.
The gap between median ($88,844) and mean household income suggests income inequality — a small number of higher earners pull the average up. 72% 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 14 minutes is near the national average.
Educational attainment is high — 68% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Notable community characteristics include a notable veteran presence at 21% of civilians, above the national average of 7%.
Overall, ZIP code 28745 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, and a significant Social Security-dependent population.
28745 ZIP code map
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Cities in ZIP code 28745
Below are the cities the US Postal Service accepts for ZIP code 28745. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
486
Population density
810 / sq mi
State FIPS
37
County FIPS
087
Geography
Land area
0.60 sq mi
Water area
0.31 sq mi
Latitude
35.5252
Longitude
-82.9731
Timezone
Eastern (ET)
Area code
828
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
40.3%
48.4%
44.4%
$50k – $100k
45.0%
32.2%
30.6%
$100k – $200k
5.2%
15.4%
19.1%
Over $200k
9.5%
3.9%
6.0%
Demographics & statistics
$88,844
Median household income
$365,300
Median home value
68.1%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 82 16.9% 18 and over 404 83.1% 65 and over 196 40.3% Median age 57.9 years
Race & ethnicity
American Indian / Alaska Native
11.5%
Group Count % White 430 88.5% American Indian / Alaska Native 56 11.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
40.3%
48.4%
44.4%
$50k – $100k
45.0%
32.2%
30.6%
$100k – $200k
5.2%
15.4%
19.1%
Over $200k
9.5%
3.9%
6.0%
Range % of households Under $10k 4.5% $35k–$50k 6.7% $50k–$75k 26.8% $75k–$100k 22.3% $100k–$150k 26.8% $200k+ 12.8% Median income $88,844
Housing
Housing overview
Metric Value Median home value $365,300 Median rent / month $0 Owner occupied 88.3% Renter occupied 11.7% Vacant 68.2% Single-family detached 80.6% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 6.3 Avg household size (owned) 2.52
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 20.6% 1990–1999 0.0% 1980–1989 6.6% 1970–1979 8.5% 1960–1969 14.0% 1950–1959 16.7% 1940–1949 14.7% 1939 or earlier 18.8%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 24.5% 3 bedrooms 50.3% 4 bedrooms 17.4% 5+ bedrooms 7.8%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 40.2% 2 vehicles 52.5% 3 or more 7.3%
Heating fuel
Fuel type % Utility gas 6.7% Electricity 70.4% Propane / LP gas 7.8% Fuel oil 7.3% Wood 7.8%
Households & families
Household type Count % Married-couple family 103 57.5% Cohabiting couple 13 7.3% Male householder, no spouse 29 16.2% Female householder, no spouse 34 19.0% Households with children under 18 41 22.9% Households with seniors (65+) 138 77.1% Average household size 2.72
Marital status
Status Male Female Never married 17.6% 5.0% Married 56.1% 70.6% Separated 0.0% 0.0% Widowed 10.7% 16.3% Divorced 15.6% 8.1%
Education
Some college, no degree
5.7%
Graduate / professional
36.1%
Metric % HS diploma or higher 95.3% Bachelor's or higher 68.1%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 60 82.2% High school 0 0.0% College / grad school 13 17.8%
Employment
Industry of employment
Education & healthcare
59.8%
Transportation & utilities
9.5%
Finance & real estate
7.7%
Occupation
Category % Management, business & arts 74.0% Service 16.6% Sales & office 9.5% Natural resources & construction 0.0% Production & transportation 0.0%
Employment type
Type % Private sector 43.2% Government 40.2% Self-employed 16.6% Unpaid family workers 0.0%
Commute
Method % Drive alone 83.4% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 16.6% Other means 0.0% Avg commute (minutes) 14.2
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 71.5% Retirement income 66.5% Supplemental Security 6.7% Cash public assistance 0.0% Food stamps / SNAP 6.7%
Health indicators
Condition % Obesity 30.9% High blood pressure 44.4% High cholesterol 43.7% Diabetes 14.4% Heart disease 11.6% Stroke 4.8% Asthma 8.3% Arthritis 38.7% Kidney disease 4.5% Pulmonary disease 9.5% Cancer 12.8%
Behavior / access % Smoking 13.8% Binge drinking 10.8% No physical activity 23.1% Less than 7 hrs sleep 27.3% Depression 20.7% Fair or poor health 14.5% Poor mental health 10.8% Poor physical health 11.8% No health insurance 13.1% Visited doctor (checkup) 84.1% Visited dentist 71.7% Cholesterol screening 95.1% Teeth loss 11.7%
Veterans & disability
Veterans Count % Civilian veterans 85 21.0%
Disability % Any disability 20.0% Under 18 0.0% 18–64 years 22.6% 65 and over 25.5%
Health insurance coverage
Type % Private insurance 68.9% Public insurance 63.8% No insurance 0.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 464 95.5% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 486 100.0% Born in same state 486 100.0% Born in different state 283 58.2% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Arab 138 28.4% French 105 21.6%
Ancestry Count % Italian 29 6%
Technology access
Metric % of households Computer access 36.8% Internet access 100.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28745
What city is ZIP code 28745 in?
ZIP code 28745 is primarily assigned to Lake Junaluska, North Carolina.
What county is ZIP code 28745 in?
ZIP code 28745 falls within Haywood County, North Carolina.
Does ZIP code 28745 have a large retiree population?
72% of households in ZIP code 28745 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 28745 have an older population?
40% of residents in ZIP code 28745 are 65 or older, above the national average of ~17%.
How educated is the population of ZIP code 28745?
68% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 28745 mostly owner-occupied?
88% of occupied units in ZIP code 28745 are owner-occupied, well above the national average.
What timezone is ZIP code 28745 in?
ZIP code 28745 observes the EST timezone.
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