Clay County

Clay County has 11,610 residents across 3 ZIP codes with their own report. Median household income is $56,971, 21% below the North Carolina figure. The typical owner-occupied home is valued at $278,400, and 32% of adults 25 and over hold a bachelor’s degree or higher.

County · ACS 2020–2024 · Updated October 24, 2026

11,610residentsACS 2020–2024

$56,971median household incomeNorth Carolina: $72K

$278,400median home valueowner-occupied homes

83%of households have broadbandhome internet subscription

Clay County in North CarolinaZIP codes in Clay County highlighted; the rest of North Carolina in grey

Map of North Carolina with Clay County highlighted

Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates · U.S. Census Bureau, 2024 Gazetteer and 2020 ZCTA relationship files

All 3 ZIP codes.

Colour shows where each zip code sits among the others in the table, from lowest to highest.

ZIP code	Residents	Household income	Home value	Owners	Bachelor's+	Broadband	Commute
28902	986	$88K	$253K	97%	46%	82%	20 min
28904	10,050	$56K	$285K	80%	32%	83%	24 min
28909	1,002	$81K	$285K	93%	21%	94%	22 min

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

People.

11,610 residents in 5,081 households, next to the North Carolina figure.

16%

under 18

13%

aged 18–34

33%

aged 65 and over

35%

of households are people living alone

49%

of households are married couples

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Homes.

7,497 housing units; the median owner-occupied home is valued at $278,400 (±$32,756).

81%

of households own their home

77%

of homes are detached single-family houses

are in buildings with 5 or more units

16%

are mobile homes

32%

of housing units are vacant

$804

median gross rent a month

When homes were built

2020 or later1%

2010–20197%

2000–200922%

1990–199921%

1980–198916%

1970–197918%

1960–19695%

1950–19595%

1940–19494%

1939 or earlier3%

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Income and work.

Household income and work, in 2024 dollars; median household income ±$8,915.

$56,971

median household income

12.9%

of people live below the poverty line

2.6%

unemployment rate

32%

of adults 25+ hold a bachelor’s degree or higher

The poverty rate uses the federal poverty thresholds, which vary with family size. It says nothing on its own about what a neighborhood is like to live in.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Getting around.

How workers aged 16 and over get to work, and how long it takes.

24 min

average commute to work

10%

of commuters travel 45 minutes or more

91%

of workers drive or carpool

take public transportation

walk or bike

work from home

of households have no car

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Internet.

Home internet subscriptions.

83%

of households have a broadband subscription

15%

have no internet access at home

American Community Survey figures are estimates from a rolling sample, averaged over 2020–2024. Each comes with a margin of error, which is wider in places with fewer people.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates