ZIP Code 28733 — Fontana Dam town, NC Demographics & Data

ZIP code 28733 covers Fontana Dam, NC in Graham County with a population of about 55.

At a glance, the area shows median age of 72.4 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-11; the GREENVLL - SPART - ASHEVLL - AND media market.

Fontana Dam, NC fits a retirement-oriented profile (high share of residents 65+ (80.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 28733 is about $147,738 — about 97% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.6%; unemployment rate near 0.0%; 8.2% of adults with a bachelor’s degree or higher (about 25.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation and Food services; a mean commute of about 26.0 minutes (U.S. average near 26.8).

Median home value is about $270,200 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.8% (about 21.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28733 in Fontana Dam, NC, a household would need roughly $74,000 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 $1,736. That sits below the local median household income ($147,738), 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 Fontana Dam town, NC as Very Low (composite score 20.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (49.6) and hurricane (42.6). 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 Fontana Dam town, NC show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 28733 (Fontana Dam 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.