ZIP Code 28640 — Jefferson town, NC Demographics & Data

ZIP code 28640 covers Jefferson, NC in Ashe County with a population of about 4,818.

At a glance, the area shows median age of 53.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 336, 743; U.S. House district NC-5; the CHARLOTTE media market.

Median household income in ZIP 28640 is about $50,946 — about 32% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.5%; unemployment rate near 4.9%; 17.9% of adults with a bachelor’s degree or higher (about 15.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 14.7% of workers reporting work-from-home (roughly in line with 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 $252,200 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $555 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 69.2% (about 3.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28640 in Jefferson, NC, a household would need roughly $69,000 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 $1,620. That is about 35% above the local median household income ($50,946), 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 Jefferson town, NC as Relatively Low (composite score 66.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (76.8) and hurricane (63.5). 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 Jefferson town, NC show little to no average snow and around 51.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 200 for ZIP 28640 (Jefferson 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.