ZIP Code 28905 — Marble CDP, NC Demographics & Data

ZIP code 28905 covers Marble, NC in Cherokee County with a population of about 3,316.

At a glance, the area shows median age of 42.4 versus a U.S. median of about 38.9.

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

Marble, NC is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 28905 is about $54,310 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.0%; unemployment rate near 12.4%; 23.2% of adults with a bachelor’s degree or higher (about 10.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 9.9% of workers reporting work-from-home (about 5.3 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 $213,800 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28905 in Marble, NC, a household would need roughly $59,000 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 $1,373. That is roughly in line with the local median household income ($54,310). 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 Marble CDP, NC as Relatively Low (composite score 56.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (81.1) and flood (67.9). 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 Marble CDP, NC show little to no average snow.

IRS migration statistics show a net inflow of about 138 for ZIP 28905 (Marble 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.