U.S. ZIP Code · NC28904
Clay County
Appreciation
- 1-year
- -0.8%
- 5-year / yr
- +6.6%
- 10-year / yr
- +7.4%
Relative price
- vs U.S.
- +23.4%
- vs metro
- —
- vs state
- +23.2%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 28904 is worth $350,657. Over the past year, values have fallen 0.8%. The effective property tax rate is 0.5%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Clay County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Very Low[4]
- Riverine flood
- Relatively Low
- Coastal flood
- Not Applicable
- Wildfire
- Relatively Low
- Drought
- Relatively Low
- Heat wave
- Very Low
- Hurricane
- Very Low
- Tornado
- Relatively Low
- Earthquake
- Very Low
- Winter weather
- Very Low
#Who lives here
#Migration
Household moves in and out of Clay County over a year, from IRS tax-return data.
- Net migration
- +165[5]
- Moved in
- 474
- Moved out
- 309
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 4
- Elementary
- 2
- Middle
- 1
- High
- 1
Hayesville Primary School
Elementary · Grades PK–2 · Clay County Schools
387 students
Hayesville High
High · Grades 9–12 · Clay County Schools
374 students
Hayesville Middle
Middle · Grades 6–8 · Clay County Schools
283 students
Hayesville Elementary
Elementary · Grades 3–5 · Clay County Schools
257 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 28904?
- The typical home in 28904 is worth $350,657, based on the Zillow Home Value Index.
- Are home values rising in 28904?
- Home values in 28904 are down 0.8% over the past year, and up 6.6% a year over five years.
- What is the property tax rate in 28904?
- The effective property tax rate in 28904 is 0.5% — roughly $1,632 a year on a typical home.
- Who lives in 28904?
- ZIP code 28904 has a population of 10,050 and a median household income of $56,480.
Compare ZIPs
Pit ZIP 28904 against any other ZIP — full side-by-side table.
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