28640 ZIP Code
Jefferson, North carolina
December 15, 2025
| ZIP Code: | 28640 |
| City/Town: | Jefferson |
| County: | Ashe |
| State: | North carolina |
| ZIP Type: | Standard |
| Population: | 5,074 |
| Median Household Income: | $48,417 |
| Per Capita Income: | $33,103 |
| Total Housing Units: | 2,822 |
| Median Home Value: | $212,800 |
| Land Area: | 37.1 sq miles
96.0 sq km |
| Water Area: | 0.5 sq miles
1.3 sq km |
| Coordinates: | 36.4049, -81.3994 |
Population Information (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 5,074 | -- | -- |
| Male: | 2,569 | 50.6% | 49.6% |
| Female: | 2,505 | 49.4% | 50.4% |
| Median Age: | 48.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 120 | 2.4% | 5.7% |
| 5 to 9 years: | 178 | 3.5% | 6.0% |
| 10 to 14 years: | 315 | 6.2% | 6.5% |
| 15 to 19 years: | 337 | 6.6% | 6.6% |
| 20 to 24 years: | 233 | 4.6% | 6.7% |
| 25 to 34 years: | 565 | 11.1% | 13.7% |
| 35 to 44 years: | 541 | 10.7% | 12.9% |
| 45 to 54 years: | 528 | 10.4% | 12.4% |
| 55 to 59 years: | 424 | 8.4% | 6.5% |
| 60 to 64 years: | 428 | 8.4% | 6.4% |
| 65 to 74 years: | 817 | 16.1% | 9.7% |
| 75 to 84 years: | 442 | 8.7% | 4.8% |
| 85 years and over: | 146 | 2.9% | 2.0% |
Housing Information (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $212,800 | -- | $281,900 |
| Median rooms: | 5.1 | -- | 5.5 |
| Median rent: | $671 / mo. | -- | $1,268 / mo. |
| Total housing units: | 2,822 | -- | -- |
| Occupied housing units: | 2,097 | 74.3% | 38.0% |
| Vacant housing units: | 725 | 25.7% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 1,467 | 70.0% | 64.8% |
| Renter-occupied: | 630 | 30.0% | 35.2% |
Educational Attainment (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 3,891 | -- | -- |
| Less than 9th grade: | 187 | 4.8% | 4.7% |
| 9th to 12th grade, no diploma: | 405 | 10.4% | 6.1% |
| High school graduate: | 1,145 | 29.4% | 26.4% |
| Some college, no degree: | 838 | 21.5% | 19.7% |
| Associate degree: | 639 | 16.4% | 8.7% |
| Bachelor's degree: | 460 | 11.8% | 20.9% |
| Graduate or professional degree: | 217 | 5.6% | 13.7% |
| Percent high school graduate or higher: | -- | 84.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 17.4% | 34.3% |
Income Information (28640 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $48,417 / yr. | $75,149 / yr. |
| Mean household income: | $62,734 / yr. | $105,833 / yr. |
| Median family income: | $67,034 / yr. | $92,646 / yr. |
| Per capita income: | $33,103 / yr. | $41,261 / yr. |
Employment (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 2,435 | -- | 63.5% |
| Employed: | 2,312 | 95.7% | 96.4% |
| Unemployed: | 105 | 4.3% | 5.3% |
| Not in labor force: | 1,987 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 2,030 | 87.8% | 79.7% |
| Government workers: | 86 | 3.7% | 14.2% |
| Self-employed: | 135 | 5.8% | 5.9% |
| Unpaid family workers: | 61 | 2.6% | 0.1% |
Race & Ethnicity (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 4,764 | 93.9% | 61.6% |
| Black or African American: | 110 | 2.2% | 12.4% |
| American Indian/Alaska Native: | 16 | 0.3% | 1.1% |
| Asian: | 0 | 0.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 0 | 0.0% | 8.4% |
| Two or more races: | 184 | 3.6% | 10.2% |
| Hispanic or Latino (any race): | 113 | 2.2% | 18.7% |
| Mexican: | 312 | 6.1% | 11.2% |
| Puerto Rican: | 180 | 3.5% | 1.8% |
| Cuban: | 60 | 1.2% | 0.7% |
| Other Hispanic or Latino: | 8 | 0.2% | 5.0% |
| Not Hispanic or Latino: | 64 | 1.3% | 81.1% |
Income Distribution (28640 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 162 | 7.7% | 4.9% |
| $10,000 to $14,999: | 140 | 6.7% | 3.8% |
| $15,000 to $24,999: | 203 | 9.7% | 7.0% |
| $25,000 to $34,999: | 280 | 13.4% | 7.4% |
| $35,000 to $49,999: | 311 | 14.8% | 10.7% |
| $50,000 to $74,999: | 367 | 17.5% | 16.1% |
| $75,000 to $99,999: | 320 | 15.3% | 12.8% |
| $100,000 to $149,999: | 153 | 7.3% | 17.1% |
| $150,000 to $199,999: | 83 | 4.0% | 8.8% |
| $200,000 or more: | 78 | 3.7% | 11.4% |
Commute to Work (28640 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 1,551 | 67.1% | 67.8% |
| Carpooled: | 281 | 12.2% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 64 | 2.8% | 2.5% |
| Other means: | 8 | 0.3% | 0.9% |
| Worked from home: | 269 | 11.6% | 13.8% |
| Mean travel time to work: | 19.2 min | -- | 26.7 min |
Industry (28640 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 144 | 6.2% | 1.6% |
| Construction: | 267 | 11.5% | 6.9% |
| Manufacturing: | 294 | 12.7% | 10.0% |
| Wholesale trade: | 65 | 2.8% | 2.4% |
| Retail trade: | 381 | 16.5% | 11.0% |
| Transportation, warehousing, utilities: | 18 | 0.8% | 5.8% |
| Information: | 48 | 2.1% | 1.9% |
| Finance, insurance, real estate: | 218 | 9.4% | 6.7% |
| Professional, scientific, management: | 185 | 8.0% | 12.1% |
| Education, health care, social services: | 377 | 16.3% | 23.3% |
| Arts, entertainment, food services: | 187 | 8.1% | 9.0% |
| Other services: | 114 | 4.9% | 4.7% |
| Public administration: | 14 | 0.6% | 4.7% |
Poverty Status (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 17.9% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 4,104 | 80.9% | 91.3% |
| Private health insurance: | 2,947 | 58.1% | 67.6% |
| Public health coverage: | 2,133 | 42.0% | 35.9% |
| Without health insurance: | 732 | 14.4% | 8.7% |
Benefits & Assistance (28640 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 1,362 | 64.9% | 77.4% |
| Social Security income: | 925 | 44.1% | 31.0% |
| Retirement income: | 425 | 20.3% | 21.8% |
| Supplemental Security Income (SSI): | 83 | 4.0% | 4.5% |
| Cash public assistance income: | 22 | 1.0% | 1.8% |
| SNAP (food stamps) benefits: | 355 | 16.9% | 11.4% |
Housing Types (28640 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 1,764 | 62.5% | 61.4% |
| 1-unit, attached: | 81 | 2.9% | 6.1% |
| 2 units: | 164 | 5.8% | 3.4% |
| 3 or 4 units: | 200 | 7.1% | 4.3% |
| 5 to 9 units: | 67 | 2.4% | 4.6% |
| 10 to 19 units: | 86 | 3.0% | 4.3% |
| 20 or more units: | 163 | 5.8% | 9.9% |
| Mobile home: | 297 | 10.5% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (28640 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 226 | 8.0% | 8.2% |
| Built 2000 to 2009: | 439 | 15.6% | 13.5% |
| Built 1990 to 1999: | 528 | 18.7% | 13.2% |
| Built 1980 to 1989: | 354 | 12.5% | 13.2% |
| Built 1970 to 1979: | 522 | 18.5% | 14.6% |
| Built 1960 to 1969: | 360 | 12.8% | 10.2% |
| Built 1950 to 1959: | 260 | 9.2% | 9.9% |
| Built 1940 to 1949: | 39 | 1.4% | 4.6% |
| Built 1939 or earlier: | 94 | 3.3% | 12.0% |
Bedrooms (28640 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 0 | 0.0% | 2.4% |
| 1 bedroom: | 192 | 6.8% | 3.0% |
| 2 bedrooms: | 992 | 35.2% | 9.1% |
| 3 bedrooms: | 1,035 | 36.7% | 15.9% |
| 4 bedrooms: | 447 | 15.8% | 18.8% |
| 5 or more bedrooms: | 156 | 5.5% | 17.6% |
Heating Fuel (28640 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 65 | 3.1% | 47.1% |
| Bottled, tank, or LP gas: | 210 | 10.0% | 4.9% |
| Electricity: | 1,405 | 67.0% | 40.2% |
| Fuel oil, kerosene, etc.: | 296 | 14.1% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 119 | 5.7% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 2 | 0.1% | 0.2% |
Vehicles Available (28640 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 151 | 7.2% | 8.3% |
| 1 vehicle available: | 403 | 19.2% | 32.6% |
| 2 vehicles available: | 978 | 46.6% | 37.0% |
| 3 or more vehicles available: | 565 | 26.9% | 22.1% |
Home Value Distribution (28640 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 96 | 6.5% | 5.7% |
| $50,000 to $99,999: | 179 | 12.2% | 7.8% |
| $100,000 to $149,999: | 251 | 17.1% | 9.2% |
| $150,000 to $199,999: | 174 | 11.9% | 10.8% |
| $200,000 to $299,999: | 359 | 24.5% | 19.9% |
| $300,000 to $499,999: | 272 | 18.5% | 24.1% |
| $500,000 to $999,999: | 136 | 9.3% | 17.0% |
| $1,000,000 or more: | 0 | 0.0% | 5.6% |
Housing Costs (28640 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,191 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $413 / mo. | $584 / mo. |
| Median gross rent: | $671 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.48 | 2.53 |
| Average household size (renter-occupied): | 1.87 | 2.38 |
Households (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 2,097 | -- | -- |
| Married-couple households: | 1,167 | 55.7% | 47.5% |
| Cohabiting couple households: | 225 | 10.7% | 7.0% |
| Male householder, no spouse: | 333 | 15.9% | 5.4% |
| Female householder, no spouse: | 480 | 22.9% | 12.7% |
| Householder living alone: | 398 | 19.0% | 28.6% |
| 65 years and over living alone: | 866 | 41.3% | 11.8% |
| Average household size: | 2.30 | -- | 2.53 |
| Average family size: | 2.70 | -- | -- |
Marital Status (28640 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 2,337 | -- | -- |
| Never married: | 658 | 28.2% | 37.0% |
| Now married: | 1,374 | 58.8% | 49.5% |
| Separated: | 112 | 4.8% | 1.5% |
| Widowed: | 121 | 5.2% | 2.6% |
| Divorced: | 327 | 14.0% | 9.3% |
School Enrollment (28640 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 888 | -- | -- |
| Nursery school, preschool: | 67 | 7.5% | 5.8% |
| Kindergarten: | 29 | 3.3% | 5.0% |
| Elementary school (grades 1-8): | 376 | 42.3% | 40.5% |
| High school (grades 9-12): | 307 | 34.6% | 21.4% |
| College or graduate school: | 109 | 12.3% | 27.3% |
Veterans & Disability (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 4,237 | -- | -- |
| Veterans: | 260 | 6.1% | 6.3% |
| Civilian noninstitutionalized population: | 4,836 | -- | -- |
| With a disability: | 755 | 15.6% | 13.4% |
| Under 18 with disability: | 15 | 2.0% | 5.8% |
| 18 to 64 with disability: | 412 | 54.6% | 10.4% |
| 65 and over with disability: | 328 | 43.4% | 33.4% |
Mobility (Residence 1 Year Ago) (28640 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 4,800 | 94.6% | 86.9% |
| Different house: | 255 | 5.0% | 13.1% |
| Same county: | 147 | 57.6% | 7.0% |
| Different county: | 98 | 38.4% | 3.2% |
| Different state: | 57 | 22.4% | 2.5% |
| Abroad: | 10 | 3.9% | 0.4% |
Place of Birth (28640 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 4,873 | 96.0% | 86.2% |
| Foreign born: | 20 | 0.4% | 13.9% |
| Naturalized citizen: | 201 | 1005.0% | 52.7% |
| Not a citizen: | 201 | 1005.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 201 | 1005.0% | 10.5% |
| Asia: | 15 | 75.0% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 182 | 910.0% | 50.0% |
| Northern America: | 4 | 20.0% | 2.2% |
Language Spoken at Home (28640 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,954 | -- | -- |
| English only: | 4,658 | 94.0% | 78.3% |
| Language other than English: | 296 | 6.0% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 287 | 5.8% | 13.3% |
| Other Indo-European languages: | 9 | 0.2% | 3.5% |
| Asian/Pacific Island languages: | 0 | 0.0% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (28640 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 2,097 | 100.0% | 93.1% |
| Households with broadband internet: | 1,763 | 84.1% | 89.4% |
Jefferson, NC28640