ZIP Code 28904 — Hayesville town, NC Demographics & Data

ZIP code 28904 covers Hayesville, NC in Clay County with a population of about 10,614.

At a glance, the area shows median age of 53.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 28904 is about $53,785 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.5%; unemployment rate near 4.0%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 6.9% of workers reporting work-from-home (about 8.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $266,500 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $637 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 78.6% (about 13.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28904 in Hayesville, NC, a household would need roughly $73,000 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 $1,712. That is about 36% above the local median household income ($53,785), so the median earner would likely stretch or need a larger down payment. 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 Hayesville town, NC as Very Low (composite score 26.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (64.3) and hurricane (47.9). 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 Hayesville town, NC show little to no average snow.

IRS migration statistics show a net inflow of about 441 for ZIP 28904 (Hayesville 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.