ZIP Code 28616 — Crossnore town, NC Demographics & Data

ZIP code 28616 covers Crossnore, NC in Avery County with a population of about 129.

At a glance, the area shows median age of 19.1 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-11; the CHARLOTTE media market.

Median household income in ZIP 28616 is about $107,292 — about 43% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 19.2% of adults with a bachelor’s degree or higher (about 14.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Transportation, and Construction; a mean commute of about 15.0 minutes (U.S. average near 26.8).

Median home value is about $222,500 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28616 in Crossnore, NC, a household would need roughly $61,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,429. That sits below the local median household income ($107,292), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Crossnore town, NC as Relatively Low (composite score 47.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (64.4) and hurricane (61.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Crossnore town, NC show little to no average snow and around 64.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 28616 (Crossnore town, NC) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.