North Carolina
Clay County
ZIP 28909
11,391 residents107 permits TTM$53,645 median HHI3 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$263,300
ACS 5-Year
Cap rate proxy
3.6%
FMR × 0.65 ÷ Home Value
Rent-to-income
17.7%
HUD FMR ÷ ACS HHI
Net migration
+0.68%
IRS SOI
Permits (TTM)
107
Census BPS
Climate risk
26.9
FEMA NRI (0–100)
ZIP 28909
Median home value
—
Gross yield
—
Buy Box score
—
Section 8 gap
—
Affordability
P/I: 5.3R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown3 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 28902 | — | — | — | 0.0 | — |
| 28904 | — | — | — | 0.0 | — |
| 28909 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
79.8%
Census ACS
Vacancy rate
32.0%
Census ACS
Bachelor's degree +
31.4%
Census ACS
Rent burdened
39.9%
Census ACS (>30% income)
Median age
54.5
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026