Estimated median household income in 2007: $41,940
| This zip code: | $41,940 | | North Carolina: | $44,670 |
Nearest zip codes: 28745, 28786, 28716, 28751, 28748, 28707.
Housing units in zip code 28721 with a mortgage: 884 (87 second mortgage, 148 home equity loan, 2 both second mortgage and home equity loan)
Houses without a mortgage: 753
Median monthly owner costs for units with a mortgage: $1,043
Median monthly owner costs for units without a mortgage: $286
Residents with income below the poverty level in 2007:
| This zip code: | 13.6% | | Whole state: | 14.3% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 4.9% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 5.6 | | State: | 5.9 |
Median number of rooms in apartments:
| Here: | 4.1 | | State: | 4.3 |
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Notable locations in this zip code not listed on our city pages:
Churches in zip code 28721 include: Old Thickety Church (A), Oak Grove Church (B). Display/hide their locations on the map
Cemeteries: Newton Rogers Cemetery (1), Noland Cemetery (2), Hiram Rogers Cemetery (3), Ledford Cemetery (4), Haynes Cemetery (5). Display/hide their locations on the map
Streams, rivers, and creeks: Flat Branch (A), Pounding Mill Branch (B), Laurel Creek (C), Raccoon Branch (D), Rathbone Branch (E), Raven Cliff Branch (F), Crawford Branch (G), Rube Rock Branch (H), Runyon Creek (I). Display/hide their locations on the map
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Year house built: |
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- 1999 to March 2000: 137
- 1995 to 1998: 366
- 1990 to 1994: 356
- 1980 to 1989: 657
- 1970 to 1979: 815
- 1960 to 1969: 586
- 1950 to 1959: 311
- 1940 to 1949: 191
- 1939 or earlier: 372
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Bedrooms in owner-occupied houses in Clyde, NC (28721): |
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- no bedroom: 9
- 1 bedrooms: 49
- 2 bedrooms: 690
- 3 bedrooms: 1,487
- 4 bedrooms: 315
- 5 or more bedrooms: 47
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 31
- 1 bedrooms: 170
- 2 bedrooms: 412
- 3 bedrooms: 177
- 4 bedrooms: 41
- 5 or more bedrooms: 4
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Vehicles available in 28721 zip code in owner-occupied houses/condos: |
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- no vehicle: 107
- 1 vehicle: 585
- 2 vehicles: 1,186
- 3 vehicles: 519
- 4 vehicles: 124
- 5 or more vehicles: 76
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 95
- 1 vehicle: 405
- 2 vehicles: 260
- 3 vehicles: 47
- 4 vehicles: 22
- 5 or more vehicles: 6
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 28721:
- Less than $10,000: 70
- $10,000 to $14,999: 35
- $15,000 to $19,999: 61
- $20,000 to $24,999: 50
- $25,000 to $29,999: 33
- $30,000 to $34,999: 22
- $35,000 to $39,999: 26
- $40,000 to $49,999: 68
- $50,000 to $59,999: 41
- $60,000 to $69,999: 81
- $70,000 to $79,999: 81
- $80,000 to $89,999: 72
- $90,000 to $99,999: 107
- $100,000 to $124,999: 314
- $125,000 to $149,999: 332
- $150,000 to $174,999: 222
- $175,000 to $199,999: 185
- $200,000 to $249,999: 294
- $250,000 to $299,999: 211
- $300,000 to $399,999: 147
- $400,000 to $499,999: 46
- $500,000 to $749,999: 17
- $750,000 to $999,999: 19
- $1,000,000 or more: 27
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Rent paid by renters in 2007 in zip code 28721:
- Less than $100: 10
- $100 to $149: 24
- $150 to $199: 18
- $200 to $249: 30
- $250 to $299: 48
- $300 to $349: 73
- $350 to $399: 156
- $400 to $449: 98
- $450 to $499: 43
- $500 to $549: 43
- $550 to $599: 34
- $600 to $649: 9
- $650 to $699: 43
- No cash rent: 151
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Median price asked for vacant for-sale houses and condos in 2007: $125,472.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $157,714
- Black or African American householders: $151,023
- American Indian or Alaska Native householders: $247,142
- Some other race householders: $83,648
- Hispanic or Latino householders: $234,519
Estimated median house or condo value in 2007: $138,588 (it was $92,400 in 2000)
| 28721: | $138,588 | | North Carolina: | $145,700 |
Lower value quartile - upper value quartile: $86,307 - $172,461
Mean price in 2007:
Detached houses: $205,444| Here: | $205,444 | | State: | $217,106 |
In 2-unit structures: $548,627| Here: | $548,627 | | State: | $153,934 |
In 3-to-4-unit structures: $221,838| Here: | $221,838 | | State: | $163,212 |
Mobile homes: $48,490| Here: | $48,490 | | State: | $45,354 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 2,556
- One, attached: 10
- Two: 55
- 3 or 4: 96
- 5 to 9: 105
- 10 to 19: 47
- 50 or more: 8
- Mobile homes: 914

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Means of transportation to work
- Drove a car alone: 3,253 (84%)
- Carpooled: 457 (12%)
- Bus or trolley bus: 8 (0%)
- Bicycle: 2 (0%)
- Walked: 44 (1%)
- Other means: 3 (0%)
- Worked at home: 123 (3%)
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Travel time to work
- Less than 5 minutes: 101
- 5 to 9 minutes: 347
- 10 to 14 minutes: 703
- 15 to 19 minutes: 647
- 20 to 24 minutes: 488
- 25 to 29 minutes: 192
- 30 to 34 minutes: 607
- 35 to 39 minutes: 162
- 40 to 44 minutes: 86
- 45 to 59 minutes: 321
- 60 to 89 minutes: 67
- 90 or more minutes: 46
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Percentage of zip code residents living and working in this county: 72.0%
Household type by relationship
Households: 8,117
- In family households: 7,008 (1,906 male householders, 558 female householders)
2,074 spouses, 2,069 children (1,872 natural, 32 adopted, 165 stepchildren), 165 grandchildren, 63 brothers or sisters, 62 parents, 64 other relatives, 47 non-relatives
- In nonfamily households: 1,109 (462 male householders (399 living alone)), 516 female householders (451 living alone)), 131 nonrelatives
- In group quarters: 175 (110 institutionalized population)
Size of family households: 1,184 2-persons, 661 3-persons, 424 4-persons, 132 5-persons, 52 6-persons, 11 7-or-more-persons.
Size of nonfamily households: 850 1-person, 124 2-persons, 2 3-persons, 2 4-persons.
1,252 married couples with children.
419 single-parent households (90 men, 329 women).
96.6% of residents of 28721 zip code speak English at home.
2.3% of residents speak Spanish at home (43% very well, 37% well, 21% not well).
0.9% of residents speak other Indo-European language at home (72% very well, 20% well, 8% not well).
0.1% of residents speak Asian or Pacific Island language at home (100% very well).
0.1% of residents speak other language at home (100% very well).
Foreign born population: 127 (1.5%)
(43.3% of them are naturalized citizens)
| This zip code: | 1.5% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Mexico (35%)
- Colombia (21%)
- Cuba (14%)
- Italy (6%)
- Indonesia (6%)
- Germany (4%)
- India (4%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 37
- 1990 to 1994: 26
- 1985 to 1989: 16
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 4
- 1970 to 1974: 19
- 1965 to 1969: 25
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White population: 7,974
Black population: 85
American Indian population: 48
Asian population: 33
Native Hawaiian and Other Pacific Islander population: 1
Some other race population: 52
Two or more races population: 63

First ancestries reported:
|  United States or American: 1826 |
|  Other groups: 617 |
|  Irish: 610 |
|  German: 585 |
|  English: 582 |
|  Scotch-Irish: 365 |
|  Scottish: 205 |
|  Dutch: 165 |
|  Italian: 136 |
|  French (except Basque): 95 |
|  European: 79 |
|  Norwegian: 41 |
|  Polish: 34 |
|  Swedish: 33 |
|  French Canadian: 19 |
|  Canadian: 16 |
|  British: 14 |
|  Hungarian: 12 |
|  Scandinavian: 12 |
|  Subsaharan African:: 12 |
|  Lithuanian: 11 |
|  Welsh: 11 |
|  African: 10 |
|  Portuguese: 9 |
|  Croatian: 7 |
|  Swiss: 6 |
|  Ukrainian: 6 |
|  Austrian: 4 |
|  Danish: 3 |
|  Russian: 2 |
|  Ethiopian: 2 |
|  Czech: 1 |

Facitilies with environmental interests located in this zip code:
- CLYDE ELEMENTARY (4182 OLD CLYDE ROAD in CLYDE, NC)
(National Center for Education Statistics) - STATE ID-328
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
Organizations: HAYWOOD COUNTY SCHOOLS (SCHOOL DISTRICT)
Alternative names: TOWN OF CLYDE
- CENTRAL HAYWOOD HIGH (8437 CAROLINA BOULEVARD in CLYDE, NC)
(National Center for Education Statistics) - STATE ID-326
Organizations: HAYWOOD COUNTY SCHOOLS (SCHOOL DISTRICT)
Median worth of mobile homes: $49,056
Housing units lacking complete plumbing facilities: 1%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (42%)
- Electricity (36%)
- Bottled, tank, or LP gas (15%)
- Wood (7%)
- Utility gas (1%)
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Place of birth for U.S.-born residents:
- This state: 5932
- Northeast: 409
- Midwest: 411
- South: 1253
- West: 140
61% of the 28721 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 60% lived in this county.
Out of people who lived in different counties, 43% lived in North Carolina.
Population in 1990: 7,400. Population change in the 1990s: +856 (+11.6%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 15
| Here: | 1.7% | | North Carolina: | 8.2% |
Students in private schools in grades 9 to 12 (high school): 12
| Here: | 2.5% | | North Carolina: | 6.9% |
Students in private undergraduate colleges: 36
| Here: | 11.9% | | North Carolina: | 20.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: General Medical and Surgical Hospitals (500-999 employees: 1 establishment)
- Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (50-99: 1, 20-49: 3, 10-19: 5, 5-9: 4, 1-4: 11)
- Accommodation and Food Services: Full-Service Restaurants (50-99: 1, 5-9: 2, 1-4: 2)
- Other Services (except Public Administration): Religious Organizations (10-19: 1, 5-9: 3, 1-4: 8)
- Construction: New Single-Family Housing Construction (except Operative Builders) (5-9: 4, 1-4: 8)
- Health Care and Social Assistance: Offices of Dentists (10-19: 1, 5-9: 3)
- Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 1-4: 1)
- Accommodation and Food Services: Food Service Contractors (20-49: 1, 1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
People in group quarters
- 54 people in other noninstitutional group quarters
- 53 people in homes for abused, dependent, and neglected children
- 48 people in nursing homes
- 8 people in homes for the mentally retarded
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 full and 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $131,840 | 276 | $167,697 | 406 | $119,179 | 41 | $94,106 | 1 | $189,070 | 118 | $171,459 | 45 | $91,210 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $107,523 | 24 | $165,681 | 78 | $138,279 | 10 | $30,749 | 0 | $0 | 9 | $107,901 | 13 | $84,327 |
| APPLICATIONS DENIED | 9 | $199,878 | 49 | $108,520 | 219 | $148,604 | 45 | $69,766 | 0 | $0 | 27 | $239,273 | 30 | $74,126 |
| APPLICATIONS WITHDRAWN | 1 | $132,520 | 36 | $152,230 | 86 | $149,345 | 12 | $87,305 | 0 | $0 | 16 | $154,326 | 8 | $91,355 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 12 | $117,083 | 42 | $148,279 | 3 | $108,513 | 0 | $0 | 3 | $133,467 | 3 | $122,200 |
Aggregated Statistics For Year 2006 (Based on 2 full and 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $114,177 | 371 | $144,073 | 428 | $125,363 | 44 | $88,243 | 133 | $166,809 | 63 | $85,405 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $124,510 | 63 | $123,980 | 71 | $104,999 | 9 | $39,230 | 9 | $108,169 | 33 | $91,425 |
| APPLICATIONS DENIED | 0 | $0 | 89 | $99,496 | 241 | $123,100 | 32 | $54,993 | 21 | $131,714 | 54 | $69,384 |
| APPLICATIONS WITHDRAWN | 1 | $106,570 | 33 | $143,232 | 89 | $146,447 | 4 | $80,420 | 6 | $172,857 | 3 | $116,810 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 7 | $183,454 | 22 | $128,076 | 3 | $35,613 | 2 | $176,825 | 1 | $56,920 |
Aggregated Statistics For Year 2005 (Based on 2 full and 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $96,924 | 364 | $134,763 | 379 | $120,474 | 43 | $65,148 | 138 | $151,253 | 73 | $71,877 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $77,218 | 72 | $96,059 | 55 | $109,149 | 10 | $35,624 | 8 | $181,111 | 36 | $67,013 |
| APPLICATIONS DENIED | 5 | $55,698 | 126 | $90,389 | 236 | $112,065 | 35 | $50,784 | 24 | $127,364 | 119 | $57,403 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 44 | $95,648 | 123 | $122,790 | 10 | $80,831 | 16 | $112,198 | 6 | $91,427 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $88,890 | 6 | $109,997 | 37 | $154,497 | 4 | $114,810 | 5 | $144,632 | 5 | $94,498 |
Aggregated Statistics For Year 2004 (Based on 2 full and 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $95,033 | 340 | $118,369 | 352 | $121,525 | 24 | $78,184 | 1 | $202,580 | 87 | $130,806 | 58 | $60,605 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $88,730 | 63 | $96,783 | 81 | $111,911 | 4 | $37,960 | 0 | $0 | 9 | $71,474 | 31 | $55,336 |
| APPLICATIONS DENIED | 3 | $59,923 | 108 | $72,219 | 185 | $104,127 | 31 | $58,660 | 0 | $0 | 17 | $96,656 | 109 | $53,443 |
| APPLICATIONS WITHDRAWN | 4 | $101,613 | 22 | $111,305 | 92 | $97,863 | 4 | $41,458 | 0 | $0 | 8 | $104,163 | 8 | $99,034 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 9 | $123,647 | 43 | $119,070 | 4 | $119,150 | 0 | $0 | 3 | $61,587 | 4 | $88,733 |
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 full and 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 41 | $155,680 | 27 | $183,651 | 8 | $193,961 | 2 | $96,105 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $122,825 | 10 | $168,868 | 2 | $195,145 | 2 | $100,180 |
| APPLICATIONS DENIED | 1 | $132,170 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $428,050 | 1 | $226,390 | 1 | $72,240 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 full and 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 37 | $149,051 | 11 | $188,443 | 3 | $150,403 | 4 | $103,605 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $214,827 | 7 | $181,611 | 1 | $189,840 | 1 | $92,790 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $182,320 | 4 | $195,003 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 full and 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 42 | $145,028 | 23 | $155,581 | 8 | $145,290 | 2 | $102,955 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $162,666 | 8 | $148,873 | 3 | $211,527 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $74,190 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 6 | $152,058 | 4 | $117,098 | 1 | $209,010 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $86,280 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 full and 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 54 | $128,409 | 14 | $115,199 | 8 | $112,255 | 1 | $95,050 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 11 | $70,251 | 5 | $133,716 | 6 | $70,788 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $114,450 | 1 | $114,450 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $109,980 | 1 | $119,840 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $154,590 | 0 | $0 | 0 | $0 |
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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