28684 ZIP Code — Todd, NC

Ashe County, North Carolina

ZIP code 28684 is located in Todd, North Carolina, within Ashe County. It covers approximately 50.19 square miles and serves a population of 1,571 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 336.

About ZIP code 28684

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $263,800. Owner-occupancy is high at 92%, well above the national average.

Median household income is $62,575. 48% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is high — 45% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 28684 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,571

population

50.19

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28684 ZIP code map

Cities in ZIP code 28684

Below are the cities the US Postal Service accepts for ZIP code 28684. Using any city not on this list may result in mail delivery delays.

City	Status
Todd	Acceptable
Todd	Preferred

Nearby ZIP codes

28698 Zionville (6.8 mi) 28626 Fleetwood (7.4 mi) 37691 Trade (7.9 mi) 28607 Boone (7.9 mi) 28694 West Jefferson (8.1 mi) 28608 Boone (9 mi) 28693 Warrensville (9.4 mi) 28615 Creston (9.6 mi) 28618 Deep Gap (10.7 mi) 28692 Vilas (11.1 mi) 28640 Jefferson (12.5 mi) 28643 Lansing (13.2 mi)

Demographics updated 05/2026

Population
Total population	1,571
Population density	31 / sq mi
State FIPS	37
County FIPS	009

Geography
Land area	50.19 sq mi
Water area	0.20 sq mi
Latitude	36.3346
Longitude	-81.6163
Timezone	Eastern (ET)
Area code	336

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.3%	58.6%	44.4%
$50k – $100k	40.3%	27.7%	30.6%
$100k – $200k	9.4%	12.8%	19.1%
Over $200k	0.0%	0.9%	6.0%

Demographics & statistics

1,571

Population

People per sq mi

54.4

Median age

$62,575

Median household income

$34,537

Per capita income

$263,800

Median home value

$844

Median monthly rent

92.3%

Home ownership

9.4%

Poverty rate

5.2%

Unemployment

1,502

Housing units

45.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

135

45–54

136

55–59

106

60–64

106

164

65–74

164

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	100	6.4%
18 and over	1,471	93.6%
65 and over	508	32.3%
Median age	54.4 years

Race & ethnicity

White 97.5%

Two or more races 1.1%

Hispanic or Latino 0.8%

American Indian / Alaska Native 0.4%

Asian 0.1%

Group	Count	%
White	1,545	97.5%
Two or more races	17	1.1%
Hispanic or Latino	13	0.8%
American Indian / Alaska Native	7	0.4%
Asian	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.3%	58.6%	44.4%
$50k – $100k	40.3%	27.7%	30.6%
$100k – $200k	9.4%	12.8%	19.1%
Over $200k	0.0%	0.9%	6.0%

Under $10k 2.2%

$10k–$15k 1.5%

$15k–$25k 7.5%

$25k–$35k 21.6%

$35k–$50k 13.2%

$50k–$75k 24.5%

$75k–$100k 7.4%

$100k–$150k 18.6%

$150k–$200k 2.8%

$200k+ 0.6%

Range	% of households
Under $10k	2.2%
$10k–$15k	1.5%
$15k–$25k	7.5%
$25k–$35k	21.6%
$35k–$50k	13.2%
$50k–$75k	24.5%
$75k–$100k	7.4%
$100k–$150k	18.6%
$150k–$200k	2.8%
$200k+	0.6%
Median income	$62,575

Housing

Home values

Under $50k 8.0%

$50k–$100k 9.3%

$100k–$150k 10.2%

$150k–$200k 9.5%

$200k–$300k 22.5%

$300k–$500k 36.1%

$500k–$1M 1.5%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$263,800
Median rent / month	$844
Owner occupied	92.3%
Renter occupied	7.7%
Vacant	49.9%
Single-family detached	88.3%
Large apartment buildings	0.0%
Mobile homes	11.4%
Median rooms	5.1
Avg household size (owned)	1.99

Year built

Era	%
2020 or later	0.0%
2010–2019	7.4%
2000–2009	12.8%
1990–1999	40.2%
1980–1989	6.2%
1970–1979	12.7%
1960–1969	11.5%
1950–1959	2.2%
1940–1949	1.5%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.6%
2 bedrooms	39.9%
3 bedrooms	43.8%
4 bedrooms	10.9%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	26.7%
2 vehicles	49.2%
3 or more	24.1%

Heating fuel

Fuel type	%
Utility gas	10.3%
Electricity	35.6%
Propane / LP gas	34.1%
Fuel oil	13.4%
Wood	5.7%
Solar	0.8%

Households & families

Household type	Count	%
Married-couple family	389	49.7%
Cohabiting couple	28	3.6%
Male householder, no spouse	129	16.5%
Female householder, no spouse	237	30.3%
Households with children under 18	93	11.9%
Households with seniors (65+)	413	52.7%
Average household size	2.01

Marital status

Status	Male	Female
Never married	29.8%	24.0%
Married	53.0%	49.4%
Separated	0.0%	0.8%
Widowed	0.0%	5.6%
Divorced	17.2%	20.2%

Education

Less than 9th grade 1.7%

Some HS, no diploma 6.0%

HS graduate 19.7%

Some college, no degree 18.5%

Associate's degree 8.7%

Bachelor's degree 28.7%

Graduate / professional 16.7%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	45.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	3.4%
Kindergarten	0	0.0%
Elementary school	7	4.0%
High school	140	79.5%
College / grad school	23	13.1%

Employment

Industry of employment

Retail trade 19.5%

Construction 17.6%

Other services 16.3%

Education & healthcare 10.3%

Manufacturing 8.4%

Public administration 7.0%

Professional & management 6.0%

Arts, food & hospitality 3.7%

Finance & real estate 3.4%

Agriculture & mining 3.0%

Transportation & utilities 3.0%

Wholesale trade 1.7%

Occupation

Category	%
Management, business & arts	37.6%
Service	9.7%
Sales & office	17.9%
Natural resources & construction	20.2%
Production & transportation	14.6%

Employment type

Type	%
Private sector	79.0%
Government	18.2%
Self-employed	2.1%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	72.6%
Carpool	11.2%
Public transit	0.0%
Walk	0.0%
Work from home	16.2%
Other means	0.0%
Avg commute (minutes)	24.9

Poverty

All people 9.4%

Under 18 years 6.0%

18 and over 9.7%

Married-couple families 1.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	47.8%
Retirement income	40.6%
Supplemental Security	3.8%
Cash public assistance	1.7%
Food stamps / SNAP	3.3%

Health indicators

Condition	%
Obesity	31.1%
High blood pressure	35.2%
High cholesterol	37.6%
Diabetes	10.2%
Heart disease	7.2%
Stroke	3.2%
Asthma	8.7%
Arthritis	28.3%
Kidney disease	3.1%
Pulmonary disease	7.3%
Cancer	7.9%

Behavior / access	%
Smoking	17.0%
Binge drinking	14.9%
No physical activity	20.3%
Less than 7 hrs sleep	28.2%
Depression	22.7%
Fair or poor health	12.8%
Poor mental health	13.3%
Poor physical health	10.5%
No health insurance	14.3%
Visited doctor (checkup)	77.9%
Visited dentist	69.0%
Cholesterol screening	91.5%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	135	9.2%

Disability	%
Any disability	13.2%
Under 18	3.0%
18–64 years	8.2%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	78.0%
Public insurance	37.1%
No insurance	10.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,562	99.4%
Spanish	2	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	2	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,554	98.9%
Born in same state	1,554	98.9%
Born in different state	748	47.6%
Foreign born	0	0.0%
Naturalized citizen	17	1.1%
Not a US citizen	17	100.0%

Ancestry

Ancestry	Count	%
Arab	275	17.5%
French	163	10.4%
Italian	146	9.3%

Ancestry	Count	%
Irish	10	0.6%
English	7	0.4%

Technology access

Metric	% of households
Computer access	49.8%
Internet access	98.5%

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

Frequently asked questions about ZIP code 28684

What city is ZIP code 28684 in?

ZIP code 28684 is primarily assigned to Todd, North Carolina.

What county is ZIP code 28684 in?

ZIP code 28684 falls within Ashe County, North Carolina.

Does ZIP code 28684 have an older population?

32% of residents in ZIP code 28684 are 65 or older, above the national average of ~17%.

Is ZIP code 28684 mostly owner-occupied?

92% of occupied units in ZIP code 28684 are owner-occupied, well above the national average.

Does ZIP code 28684 have a large retiree population?

48% of households in ZIP code 28684 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 28684?

45% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 28684 in?

ZIP code 28684 observes the EST timezone.