Estimated zip code population in 2022: 7,838 Zip code population in 2010: 6,249 Zip code population in 2000: 5,466
Houses and condos: 9,341 Renter-occupied apartments: 791
% of renters here:
24%
State:
33%
March 2022 cost of living index in zip code 28604: 83.0 (low, U.S. average is 100)
Land area: 65.7 sq. mi. Water area: 0.1 sq. mi.
Population density: 119 people per square mile
(very low).
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
Please wait while loading the map...
Real estate property taxes paid for housing units in 2022:
This zip code:
0.4% ($1,332)
North Carolina:
0.6% ($1,769)
Median real estate property taxes paid for housing units with mortgages in 2022: $1,389 (0.4%) Median real estate property taxes paid for housing units with no mortgage in 2022: $1,176 (0.3%)
Estimated median house/condo value in 2022: $354,184
28604:
$354,184
North Carolina:
$280,600
According to our research of North Carolina and other state lists, there were 11 registered sex offenders living in 28604 zip code as of May 28, 2024. The ratio of all residents to sex offenders in zip code 28604 is 655 to 1. The ratio of registered sex offenders to all residents in this zip code is lower than the state average.
Median resident age:
This zip code:
45.3 years
North Carolina median age:
39.2 years
Average household size:
This zip code:
2.1 people
North Carolina:
2.4 people
Averages for the 2020 tax year for zip code 28604, filed in 2021:
Average Adjusted Gross Income (AGI) in 2020: $72,243 (Individual Income Tax Returns)
Here:
$72,243
State:
$70,020
Salary/wage: $51,118 (reported on 74.2% of returns)
Here:
$51,118
State:
$58,387
(% of AGI for various income ranges: 1297.7% for AGIs below $25k, 3569.8% for AGIs $25k-50k, 6352.1% for AGIs $50k-75k, 8529.3% for AGIs $75k-100k, 14848.0% for AGIs $100k-200k, 71440.0% for AGIs over 200k)
Taxable interest for individuals: $2,038 (reported on 37.4% of returns)
This zip code:
$2,038
North Carolina:
$1,479
(% of AGI for various income ranges: 27.3% for AGIs below $25k, 41.9% for AGIs $25k-50k, 50.0% for AGIs $50k-75k, 270.0% for AGIs $75k-100k, 246.5% for AGIs $100k-200k, 2034.0% for AGIs over 200k)
Ordinary dividends: $9,074 (reported on 25.8% of returns)
Here:
$9,074
State:
$7,888
(% of AGI for various income ranges: 36.4% for AGIs below $25k, 55.4% for AGIs $25k-50k, 209.2% for AGIs $50k-75k, 785.7% for AGIs $75k-100k, 825.0% for AGIs $100k-200k, 7270.0% for AGIs over 200k)
Net capital gain/loss in AGI: +$27,251 (reported on 25.5% of returns)
Here:
+$27,251
State:
+$23,652
(% of AGI for various income ranges: 25.9% for AGIs below $25k, 40.6% for AGIs $25k-50k, 330.4% for AGIs $50k-75k, 682.1% for AGIs $75k-100k, 1603.0% for AGIs $100k-200k, 33438.0% for AGIs over 200k)
Profit/loss from business: +$16,541 (reported on 23.9% of returns)
Here:
+$16,541
State:
+$11,710
(% of AGI for various income ranges: 233.2% for AGIs below $25k, 355.2% for AGIs $25k-50k, 569.6% for AGIs $50k-75k, 854.3% for AGIs $75k-100k, 1619.5% for AGIs $100k-200k, 6440.0% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $28,831 (reported on 12.3% of returns)
28604:
$28,831
North Carolina:
$20,247
(% of AGI for various income ranges: 75.9% for AGIs below $25k, 120.8% for AGIs $25k-50k, 363.8% for AGIs $50k-75k, 1160.0% for AGIs $75k-100k, 2199.0% for AGIs $100k-200k, 6334.0% for AGIs over 200k)
Total itemized deductions: $32,894 (reported on 9.7% of returns)
Here:
$32,894
State:
$34,549
(% of AGI for various income ranges: 74.8% for AGIs below $25k, 155.4% for AGIs $25k-50k, 413.3% for AGIs $50k-75k, 847.1% for AGIs $75k-100k, 1376.0% for AGIs $100k-200k, 7826.0% for AGIs over 200k)
Charity contributions: $11,137 (reported on 8.5% of returns)
Here:
$11,137
State:
$13,360
(% of AGI for various income ranges: 40.4% for AGIs $25k-50k, 83.3% for AGIs $50k-75k, 264.3% for AGIs $75k-100k, 404.5% for AGIs $100k-200k, 2836.0% for AGIs over 200k)
Taxes paid: $7,323 (reported on 9.7% of returns)
28604:
$7,323
State:
$7,586
(% of AGI for various income ranges: 11.5% for AGIs below $25k, 23.3% for AGIs $25k-50k, 80.0% for AGIs $50k-75k, 184.3% for AGIs $75k-100k, 365.0% for AGIs $100k-200k, 1770.0% for AGIs over 200k)
Earned income credit: $1,958 (reported on 14.2% of returns)
Here:
$1,958
State:
$2,337
(% of AGI for various income ranges: 74.2% for AGIs below $25k, 65.2% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2020 taxes: 93.1%
Here:
93%
State:
93%
(% for various income ranges: 91.2% for AGIs below $25k, 94.6% for AGIs $25k-50k, 94.9% for AGIs $50k-75k, 92.6% for AGIs $75k-100k, 93.0% for AGIs $100k-200k, 95.2% for AGIs over 200k)
Averages for the 2012 tax year for zip code 28604, filed in 2013:
Average Adjusted Gross Income (AGI) in 2012: $46,322 (Individual Income Tax Returns)
Here:
$46,322
State:
$54,937
Salary/wage: $36,552 (reported on 76.7% of returns)
Here:
$36,552
State:
$46,336
(% of AGI for various income ranges: 70.0% for AGIs below $25k, 73.1% for AGIs $25k-50k, 65.1% for AGIs $50k-75k, 61.8% for AGIs $75k-100k, 53.4% for AGIs $100k-200k, 42.9% for AGIs over 200k)
Taxable interest for individuals: $1,574 (reported on 38.7% of returns)
This zip code:
$1,574
North Carolina:
$1,298
(% of AGI for various income ranges: 2.0% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 1.2% for AGIs over 200k)
Ordinary dividends: $6,179 (reported on 23.3% of returns)
Here:
$6,179
State:
$6,213
(% of AGI for various income ranges: 3.9% for AGIs below $25k, 1.4% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.8% for AGIs $100k-200k, 5.4% for AGIs over 200k)
Net capital gain/loss in AGI: +$9,808 (reported on 22.2% of returns)
Here:
+$9,808
State:
+$12,740
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 0.8% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.8% for AGIs $75k-100k, 3.3% for AGIs $100k-200k, 18.9% for AGIs over 200k)
Profit/loss from business: +$8,575 (reported on 25.6% of returns)
Here:
+$8,575
State:
+$10,311
(% of AGI for various income ranges: 12.0% for AGIs below $25k, 7.3% for AGIs $25k-50k, 4.0% for AGIs $50k-75k, 3.4% for AGIs $75k-100k, 3.8% for AGIs $100k-200k)
Taxable individual retirement arrangement distribution: $18,648 (reported on 12.4% of returns)
28604:
$18,648
North Carolina:
$15,575
(% of AGI for various income ranges: 4.0% for AGIs below $25k, 2.9% for AGIs $25k-50k, 4.4% for AGIs $50k-75k, 6.0% for AGIs $75k-100k, 11.2% for AGIs $100k-200k)
Total itemized deductions: $23,108 (27% of AGI, reported on 33.5% of returns)
Here:
$23,108
State:
$23,438
Here:
27.1% of AGI
State:
21.5% of AGI
(% of AGI for various income ranges: 18.0% for AGIs below $25k, 11.6% for AGIs $25k-50k, 16.5% for AGIs $50k-75k, 18.5% for AGIs $75k-100k, 18.5% for AGIs $100k-200k, 17.4% for AGIs over 200k)
Charity contributions: $4,313 (reported on 26.7% of returns)
Here:
$4,313
State:
$4,687
(% of AGI for various income ranges: 1.1% for AGIs below $25k, 1.3% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 3.3% for AGIs $75k-100k, 3.3% for AGIs $100k-200k, 3.3% for AGIs over 200k)
Taxes paid: $6,588 (reported on 33.5% of returns)
28604:
$6,588
State:
$8,823
(% of AGI for various income ranges: 2.8% for AGIs below $25k, 2.3% for AGIs $25k-50k, 4.4% for AGIs $50k-75k, 5.4% for AGIs $75k-100k, 6.4% for AGIs $100k-200k, 6.6% for AGIs over 200k)
Earned income credit: $1,818 (reported on 18.8% of returns)
Here:
$1,818
State:
$2,376
(% of AGI for various income ranges: 4.6% for AGIs below $25k, 1.1% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2012 taxes: 57.5%
Here:
58%
State:
53%
(% for various income ranges: 53.3% for AGIs below $25k, 53.2% for AGIs $25k-50k, 64.7% for AGIs $50k-75k, 65.2% for AGIs $75k-100k, 68.4% for AGIs $100k-200k, 83.3% for AGIs over 200k)
Averages for the 2004 tax year for zip code 28604, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $43,349 (Individual Income Tax Returns)
Here:
$43,349
State:
$45,376
Salary/wage: $32,460 (reported on 78.1% of returns)
Here:
$32,460
State:
$39,442
(% of AGI for various income ranges: 184.4% for AGIs below $10k, 73.2% for AGIs $10k-25k, 74.3% for AGIs $25k-50k, 66.1% for AGIs $50k-75k, 57.2% for AGIs $75k-100k, 38.8% for AGIs over 100k)
Taxable interest for individuals: $2,485 (reported on 47.0% of returns)
This zip code:
$2,485
North Carolina:
$1,515
(% of AGI for various income ranges: 7.6% for AGIs below $10k, 2.5% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 3.1% for AGIs over 100k)
Taxable dividends: $5,419 (reported on 25.7% of returns)
Here:
$5,419
State:
$4,016
(% of AGI for various income ranges: 6.8% for AGIs below $10k, 2.7% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 4.7% for AGIs over 100k)
Net capital gain/loss: +$19,010 (reported on 24.3% of returns)
Here:
+$19,010
State:
+$11,152
(% of AGI for various income ranges: -0.1% for AGIs below $10k, 0.3% for AGIs $10k-25k, 2.2% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 6.3% for AGIs $75k-100k, 23.1% for AGIs over 100k)
Profit/loss from business: +$11,479 (reported on 27.1% of returns)
Here:
+$11,479
State:
+$9,490
(% of AGI for various income ranges: 8.8% for AGIs below $10k, 10.9% for AGIs $10k-25k, 6.9% for AGIs $25k-50k, 5.4% for AGIs $50k-75k, 9.3% for AGIs $75k-100k, 6.3% for AGIs over 100k)
IRA payment deduction: $3,245 (reported on 4.3% of returns)
28604:
$3,245
North Carolina:
$2,967
(% of AGI for various income ranges: 0.4% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.2% for AGIs over 100k)
Self-employed pension: $15,750 (reported on 0.8% of returns)
Here:
$15,750
North Carolina:
$14,754
Total itemized deductions: $20,372 (24% of AGI, reported on 33.5% of returns)
Here:
$20,372
State:
$19,464
Here:
24.3% of AGI
State:
22.7% of AGI
(% of AGI for various income ranges: 33.5% for AGIs below $10k, 14.9% for AGIs $10k-25k, 14.3% for AGIs $25k-50k, 17.8% for AGIs $50k-75k, 18.5% for AGIs $75k-100k, 14.3% for AGIs over 100k)
Charity contributions deductions: $4,120 (5% of AGI, reported on 28.9% of returns)
Here:
$4,120
State:
$4,035
Here:
4.6% of AGI
State:
4.5% of AGI
(% of AGI for various income ranges: 3.1% for AGIs below $10k, 1.9% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 3.8% for AGIs $75k-100k, 3.0% for AGIs over 100k)
Total tax: $6,722 (reported on 76.0% of returns)
28604:
$6,722
State:
$7,257
(% of AGI for various income ranges: 7.3% for AGIs below $10k, 5.1% for AGIs $10k-25k, 7.1% for AGIs $25k-50k, 8.8% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 17.9% for AGIs over 100k)
Earned income credit: $1,436 (reported on 15.7% of returns)
Here:
$1,436
State:
$1,851
Percentage of individuals using paid preparers for their 2004 taxes: 64.6%
Here:
65%
State:
62%
(% for various income ranges: 58.6% for AGIs below $10k, 65.0% for AGIs $10k-25k, 63.1% for AGIs $25k-50k, 66.7% for AGIs $50k-75k, 68.9% for AGIs $75k-100k, 80.3% for AGIs over 100k)
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
Lesbian couples: 0.4% of all households
Gay men: 0.0% of all households
Household received Food Stamps/SNAP in the past 12 months: 251 Household did not receive Food Stamps/SNAP in the past 12 months: 3,028
Women who had a birth in the past 12 months: 83 (75 now married, 8 unmarried) Women who did not have a birth in the past 12 months: 1,514 (682 now married, 833 unmarried)
Housing units in zip code 28604 with a mortgage: 1,401 (126 second mortgage, 1 home equity loan, 130 both second mortgage and home equity loan) Houses without a mortgage: 61
Median monthly owner costs for units with a mortgage: $1,443 Median monthly owner costs for units without a mortgage: $438
Residents with income below the poverty level in 2022:
This zip code:
10.0%
Whole state:
12.8%
Residents with income below 50% of the poverty level in 2022:
This zip code:
5.0%
Whole state:
6.8%
Median number of rooms in houses and condos:
Here:
6.1
State:
6.4
Median number of rooms in apartments:
Here:
4.5
State:
4.4
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 28604: Grandfather Home for Children (A), Broadstone Lodge (B), Hanging Rock Golf and Country Club (C), Ponds of the Beech (D), Holston Camp (E). Display/hide their locations on the map
Churches in zip code 28604 include: Hanging Rock Chapel (A), Holy Communion Lutheran Church (B), Holy Cross Episcopal Church (C), Liberty Methodist Church (D), Beech Mountain Church (E), Bethany Church (F), Watauga Baptist Church (G), Valle Crucis Methodist Church (H), White Rock Baptist Church (I). Display/hide their locations on the map
Cemeteries: Jestes Cemetery (1), Hicks Cemetery (2), Shook Cemetery (3), Mast Cemetery (4), McLean Cemetery (5), Michael Cemetery (6), Yates Cemetery (7). Display/hide their locations on the map
Streams, rivers, and creeks: Dutch Creek (A), Peavine Branch (B), Craborchard Creek (C), Green Ridge Branch (D), Grassy Gap Creek (E), Flattop Creek (F), Clark Creek (G), Bee Branch (H), Bear Branch (I). Display/hide their locations on the map
In group quarters: 767 (-1 institutionalized population)
Size of family households: 1,286 2-persons, 248 3-persons, 300 4-persons, 72 5-persons, 118 6-persons, 22 7-or-more-persons
Size of nonfamily households: 1,041 1-person, 205 2-persons, 11 3-persons
923 married couples with children.
310 single-parent households (50 men, 260 women).
93.8% of residents of 28604 zip code speak English at home.
4.8% of residents speak Spanish at home (89% very well, 4% well, 7% not well).
1.1% of residents speak other Indo-European language at home (82% very well, 18% well).
0.1% of residents speak other language at home (100% very well).
Foreign born population: 333 (4.3%) (32.0% of them are naturalized citizens)
This zip code:
4.3%
Whole state:
8.6%
32%Honduras
12%Sweden
10%United Kingdom, excluding England and Scotland
6%Belgium
5%France
4%Barbados
4%Belize
16%English
14%American
12%German
9%Irish
7%European
5%Scottish
3%Scotch-Irish
Year of entry for the foreign-born population
1202010 or later
952000 to 2009
911990 to 1999
116Before 1990
Facilities with environmental interests located in this zip code:
BANNER ELK ELEMENTARY SCHOOL (185 AZALEA CIRCLE in BANNER ELK, NC)
(Geographic Names Information System) STATE MASTER (North Carolina facility info) - UNDERGROUND STORAGE TANK PROGRAM (National Center for Education Statistics) - STATE ID-304 Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS Organizations: AVERY COUNTY SCHOOLS (SCHOOL DISTRICT)
CHARLES A CANNON MEM HOSP INC (HIGHWAY 184 in BANNER ELK, NC)
AIR MINOR (AIRS/AFS) STATE MASTER (North Carolina facility info) - AIR PROGRAM Business SIC classification: GENERAL MEDICAL AND SURGICAL HOSPITALS
ADAMS APPLE RACQUET CLUB (NC HIGHWAY 105 in BANNER ELK, NC)
STATE MASTER (North Carolina facility info) - -115DA4YG00M29W84AX3X8CCV74, WASTEWATER FACILITY National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit Business SIC classification: SEWERAGE SYSTEMS Alternative names: ADAMS APPLE CONDOMINIUMS, ADAMS APPLE RACQUET CLB ADAMS
BANNER ELK READY MIX (HWY 184 in BANNER ELK, NC)
AIR MINOR (AIRS/AFS) STATE MASTER (North Carolina facility info) - AIR PROGRAM Business SIC classification: READY-MIXED CONCRETE
BUCKEYE LAKE WTP (208 GRASSY GAP CREEK RD in BEECH MOUNTAIN, NC)
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit Alternative names: BEECH MOUNTAIN BUCKEYE LK WTP
CAMP BROADSTONE WWTP (1431 BROADSTONE ROAD in BANNER ELK, NC)
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit Business SIC classification: AMUSEMENT AND RECREATION SERVICES Alternative names: CAMP BROADSTONE/APP. ST. UNIV., NC ASU CAMP BROADSTONE WWTP
Housing units lacking complete plumbing facilities: 0.4% Housing units lacking complete kitchen facilities: 0.0%
41.4%Electricity
32.1%Bottled, tank, or LP gas
13.0%Fuel oil, kerosene, etc.
9.4%Utility gas
3.5%Wood
0.6%Other fuel
Population in 1990: 4,570. Population change in the 1990s: +896 (+19.6%).
Place of birth for U.S.-born residents:
This state: 3,931
Northeast: 866
Midwest: 682
South: 1,760
West: 172
50% of the 28604 zip code residents lived in the same house 5 years ago. Out of people who lived in different houses, 31% lived in this county. Out of people who lived in different counties, 50% lived in North Carolina.
92% of the 28604 zip code residents lived in the same house 1 year ago. Out of people who lived in different houses, 37% moved from this county. Out of people who lived in different houses, 41% moved from different county within same state. Out of people who lived in different houses, 25% moved from different state. Out of people who lived in different houses, 0% moved from abroad.
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 40
Here:
6.3%
North Carolina:
13.8%
Students in private schools in grades 9 to 12 (high school): 7
Here:
2.5%
North Carolina:
11.9%
Students in private undergraduate colleges: 381
Here:
47.5%
North Carolina:
19.3%
Occupation by median earnings in the past 12 months ($)
237,546Architecture and engineering occupations
113,615Computer and mathematical occupations
82,085Business and financial operations occupations
66,853Management occupations
60,702Legal occupations
60,495Construction and extraction occupations
Companies with federal contracts located in this zip code:
MISTY MOUNTAIN THREADWORKS, IN (718 BURMA RD in BANNER ELK, NC; small business)
$8,310 with Army for Individual Equipment. Taking place in VT. Signed on 2006-04-24. Completion date: 2006-05-31.
Top industries in this zip code by the number of employees in 2005:
Arts, Entertainment, and Recreation: Skiing Facilities (250-499 employees: 2 establishments)
Construction: New Single-Family Housing Construction (except Operative Builders) (20-49: 1, 10-19: 3, 5-9: 10, 1-4: 22)
Health Care and Social Assistance: Nursing Care Facilities (100-249: 1)
Accommodation and Food Services: Food Service Contractors (50-99: 1, 20-49: 1)
Other Services (except Public Administration): Other Similar Organizations (except Business, Professional, Labor, and Political Organizations) (20-49: 2, 10-19: 1, 5-9: 1, 1-4: 4)
Real Estate and Rental and Leasing: Residential Property Managers (20-49: 1, 10-19: 2, 5-9: 3, 1-4: 2)
People in group quarters in 2010:
371 people in college/university student housing
97 people in nursing facilities/skilled-nursing facilities
16 people in group homes for juveniles (non-correctional)
People in group quarters in 2000:
339 people in college dormitories (includes college quarters off campus)
113 people in nursing homes
31 people in homes or halfway houses for drug/alcohol abuse
10 people in hospitals/wards and hospices for chronically ill
10 people in other hospitals or wards for chronically ill
4 people in mental (psychiatric) hospitals or wards
Fatal accident statistics in 2012:
Fatal accident count: 3
Vehicles involved in fatal accidents: 5
Fatal accidents caused by drunken drivers: 1
Fatalities: 3
Persons involved in fatal accidents: 6
Pedestrians involved in fatal accidents: 0
2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents
According to the data from the years 2002 - 2018 the average number of fires per year is 32. The highest number of fire incidents - 54 took place in 2005, and the least - 10 in 2017. The data has a decreasing trend.
When looking into fire subcategories, the most reports belonged to: Structure Fires (55.9%), and Outside Fires (18.1%).
Fire incident types reported to NFIRS in Zip Code 28604