ZIP Code 28745 — Lake Junaluska CDP, NC Demographics & Data

ZIP code 28745 covers Lake Junaluska, NC in Haywood County with a population of about 555.

At a glance, the area shows median age of 57.7 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.

Lake Junaluska, NC fits a retirement-oriented profile (high share of residents 65+ (35.5%)). 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 28745 is about $115,081 — about 53% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.4%; unemployment rate near 0.0%; 72.2% of adults with a bachelor’s degree or higher (about 38.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Other services; about 17.1% of workers reporting work-from-home (about 1.9 points above the U.S. share (15.2%)); a mean commute of about 175.0 minutes (U.S. average near 26.8).

Median home value is about $365,900 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.8% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28745 in Lake Junaluska, NC, a household would need roughly $101,000 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 $2,350. That sits below the local median household income ($115,081), 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 Lake Junaluska CDP, NC as Relatively Low (composite score 77.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.6) and wildfire (58.7). 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 Lake Junaluska CDP, NC show little to no average snow and around 50.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 23 for ZIP 28745 (Lake Junaluska CDP, 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.