28778 Zip Code Detailed Profile




Cities: Swannanoa, NC (18.27%), Black Mountain, NC (0.76%)
County: Buncombe County, NC
Estimated zip code population in 2013: 10,697
Zip code population in 2010: 10,381
Zip code population in 2000: 9,321

Houses and condos: 4,599
Renter-occupied apartments: 1,525
% of renters here:

37%
State:

36%
Mar. 2013 cost of living index in zip code 28778: 92.3 (less than average, U.S. average is 100)

Land area: 34.4 sq. mi.
Water area: 0.1 sq. mi.
Population density: 311 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 28778
Zip code 28778 (Swannanoa, North Carolina) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

0.7% ($1,024)
North Carolina:

0.8% ($1,304)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,029 (0.7%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,018 (0.7%)

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Males: 5,235  (48.9%)
Females: 5,462  (51.1%)

For population 25 years and over in 28778:

For population 15 years and over in 28778:

Zip code 28778 compared to state average:

  • Black race population percentage significantly below state average.
  • Foreign-born population percentage below state average.
  • Races in zip code 28778

  • Zip code 28778 races chart
    • 9,031White population
    • 331Black population
    • 54American Indian population
    • 103Asian population
    • 5Native Hawaiian and Other Pacific Islander population
    • 11Some other race population
    • 180Two or more races population
    • 666Hispanic or Latino population

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Urban population: 7,305
Rural population: 3,391

Estimated median house/condo value in 2013: $151,300
28778:

$151,300
North Carolina:

$154,300



According to our research of North Carolina and other state lists there were 19 registered sex offenders living in 28778 zip code as of August 04, 2015.
The ratio of number of residents in zip code 28778 to the number of sex offenders is 563 to 1.


Median resident age:
This zip code:

38.4 years
North Carolina median age:

37.9 years
Average household size:
This zip code:

2.4 people
North Carolina:

2.5 people

Averages for the 2012 tax year for zip code 28778, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $39,267 (Individual Income Tax Returns)
Here:

$39,267
State:

$54,937

Salary/wage: $34,586 (reported on 83.7% of returns)
Here:

$34,586
State:

$46,336
(% of AGI for various income ranges: 75.5% for AGIs below $25k, 79.9% for AGIs $25k-50k, 78.2% for AGIs $50k-75k, 73.9% for AGIs $75k-100k, 67.3% for AGIs $100k-200k, 48.0% for AGIs over 200k)

Taxable interest for individuals: $669 (reported on 31.5% of returns)
This zip code:

$669
North Carolina:

$1,298
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.5% for AGIs $100k-200k, 0.3% for AGIs over 200k)

Ordinary dividends: $3,628 (reported on 14.3% of returns)
Here:

$3,628
State:

$6,213
(% of AGI for various income ranges: 1.4% for AGIs below $25k, 0.8% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 4.4% for AGIs over 200k)

Net capital gain/loss in AGI: +$2,451 (reported on 11.4% of returns)
Here:

+$2,451
State:

+$12,740
(% of AGI for various income ranges: 0.3% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 1.5% for AGIs $100k-200k, 3.8% for AGIs over 200k)

Profit/loss from business: +$7,114 (reported on 16.3% of returns)
Here:

+$7,114
State:

+$10,311
(% of AGI for various income ranges: 7.7% for AGIs below $25k, 3.0% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 3.3% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $13,180 (reported on 10.0% of returns)
28778:

$13,180
North Carolina:

$15,575
(% of AGI for various income ranges: 3.3% for AGIs below $25k, 2.8% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 3.1% for AGIs $75k-100k, 7.1% for AGIs $100k-200k)

Total itemized deductions: $18,990 (26% of AGI, reported on 25.9% of returns)
Here:

$18,990
State:

$23,438

Here:

25.9% of AGI
State:

21.5% of AGI
(% of AGI for various income ranges: 9.4% for AGIs below $25k, 9.3% for AGIs $25k-50k, 12.1% for AGIs $50k-75k, 15.8% for AGIs $75k-100k, 16.3% for AGIs $100k-200k, 16.4% for AGIs over 200k)

Charity contributions: $4,074 (reported on 21.4% of returns)
Here:

$4,074
State:

$4,687
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 3.0% for AGIs $75k-100k, 3.4% for AGIs $100k-200k, 5.8% for AGIs over 200k)

Taxes paid: $5,481 (reported on 25.9% of returns)
28778:

$5,481
State:

$8,823
(% of AGI for various income ranges: 1.3% for AGIs below $25k, 2.0% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 4.7% for AGIs $75k-100k, 5.9% for AGIs $100k-200k, 6.9% for AGIs over 200k)

Earned income credit: $2,041 (reported on 21.9% of returns)
Here:

$2,041
State:

$2,376
(% of AGI for various income ranges: 5.8% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 28778, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $32,891 (Individual Income Tax Returns)
Here:

$32,891
State:

$45,376

Salary/wage: $30,173 (reported on 85.0% of returns)
Here:

$30,173
State:

$39,442
(% of AGI for various income ranges: 98.1% for AGIs below $10k, 81.3% for AGIs $10k-25k, 84.1% for AGIs $25k-50k, 81.6% for AGIs $50k-75k, 72.1% for AGIs $75k-100k, 59.1% for AGIs over 100k)

Taxable interest for individuals: $1,120 (reported on 36.4% of returns)
This zip code:

$1,120
North Carolina:

$1,515
(% of AGI for various income ranges: 3.9% for AGIs below $10k, 1.3% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 1.7% for AGIs over 100k)

Taxable dividends: $2,172 (reported on 15.9% of returns)
Here:

$2,172
State:

$4,016
(% of AGI for various income ranges: 2.9% for AGIs below $10k, 0.9% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 1.9% for AGIs over 100k)

Net capital gain/loss: +$6,559 (reported on 12.6% of returns)
Here:

+$6,559
State:

+$11,152
(% of AGI for various income ranges: -0.3% for AGIs below $10k, 0.6% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 2.8% for AGIs $75k-100k, 11.0% for AGIs over 100k)

Profit/loss from business: +$5,793 (reported on 16.4% of returns)
Here:

+$5,793
State:

+$9,490
(% of AGI for various income ranges: 7.8% for AGIs below $10k, 6.1% for AGIs $10k-25k, 2.2% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 4.2% for AGIs $75k-100k, 0.8% for AGIs over 100k)

IRA payment deduction: $2,394 (reported on 2.4% of returns)
28778:

$2,394
North Carolina:

$2,967
(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.3% for AGIs $75k-100k)

Total itemized deductions: $16,111 (27% of AGI, reported on 27.1% of returns)
Here:

$16,111
State:

$19,464

Here:

26.6% of AGI
State:

22.7% of AGI
(% of AGI for various income ranges: 12.2% for AGIs below $10k, 9.3% for AGIs $10k-25k, 12.3% for AGIs $25k-50k, 14.0% for AGIs $50k-75k, 15.7% for AGIs $75k-100k, 16.2% for AGIs over 100k)

Charity contributions deductions: $3,238 (5% of AGI, reported on 23.0% of returns)
Here:

$3,238
State:

$4,035

Here:

5.0% of AGI
State:

4.5% of AGI
(% of AGI for various income ranges: 0.8% for AGIs below $10k, 1.1% for AGIs $10k-25k, 1.6% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 2.8% for AGIs $75k-100k, 3.9% for AGIs over 100k)

Total tax: $3,935 (reported on 71.7% of returns)
28778:

$3,935
State:

$7,257
(% of AGI for various income ranges: 3.7% for AGIs below $10k, 3.9% for AGIs $10k-25k, 6.3% for AGIs $25k-50k, 8.3% for AGIs $50k-75k, 11.1% for AGIs $75k-100k, 16.8% for AGIs over 100k)

Earned income credit: $1,740 (reported on 21.3% of returns)
Here:

$1,740
State:

$1,851

Percentage of individuals using paid preparers for their 2004 taxes: 59.0%
Here:

59%
State:

62%
(% for various income ranges: 52.8% for AGIs below $10k, 61.0% for AGIs $10k-25k, 60.3% for AGIs $25k-50k, 60.2% for AGIs $50k-75k, 59.1% for AGIs $75k-100k, 67.0% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$38,589
North Carolina:

$45,906
Swannanoa, NC (28778) map Nearest zip codes: 28805, 28757, 28711, 28730, 28709, 28803.
Percentage of family households:
This zip code:

50.7%
North Carolina:

50.2%
Percentage of households with unmarried partners:
This zip code:

6.4%
North Carolina:

5.4%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 637
Household did not receive Food Stamps/SNAP in the past 12 months: 3,519


Women who had a birth in the past 12 months: 70 (14 now married, 56 unmarried)
Women who did not have a birth in the past 12 months: 2,732 (1,144 now married, 1,588 unmarried)


Housing units in zip code 28778 with a mortgage: 1,373 (77 second mortgage, 234 home equity loan, 16 both second mortgage and home equity loan)
Houses without a mortgage: 1,258

Median monthly owner costs for units with a mortgage: $1,200
Median monthly owner costs for units without a mortgage: S326

Residents with income below the poverty level in 2013:
This zip code:

19.5%
Whole state:

17.9%
Residents with income below 50% of the poverty level in 2013:
This zip code:

11.7%
Whole state:

10.0%
Median number of rooms in houses and condos:
Here:

5.8
State:

6.3
Median number of rooms in apartments:
Here:

4.9
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 28778: Camp Swannanoa (A), North Carolina State Test Farm (B), Fellowship of Southern Churchmen Camp (C). Display/hide their locations on the map

    Churches in zip code 28778 include: Macedonia Church (A), Buckeye Church (B), New Salem Church (C), Beetree Church (D), Christian Creek Church (E), Swannanoa Church (F), Swannanoa Heights Church (G). Display/hide their locations on the map

    Cemetery: Patton Cemetery (1). Display/hide its location on the map

    Reservoirs: Sherwood Lake (A), Flat Top Mountain Lake (B), LeRoy Lake (C), Beetree Reservoir (D), Bee Tree Reservoir (E), Davis Lake (F), Beacon Reservoir (G). Display/hide their locations on the map

    Streams, rivers, and creeks: Gregg Branch (A), Stepp Branch (B), North Fork Swannanoa River (C), Bell Branch (D), Beetree Creek (E), Long Branch (F), Spruce Fork (G), Wolfe Branch (H), Wolfpit Branch (I). Display/hide their locations on the map

    Park in zip code 28778: Nolan Field (1). Display/hide its location on the map

Year house built

  • 02010 or later
  • 8412000 to 2009
  • 1,1141990 to 1999
  • 6201980 to 1989
  • 5471970 to 1979
  • 5201960 to 1969
  • 3881950 to 1959
  • 2691940 to 1949
  • 3001939 or earlier

Zip code 28778 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Swannanoa, NC (28778)

  • 0no bedroom
  • 121 bedroom
  • 6722 bedrooms
  • 1,5603 bedrooms
  • 3274 bedrooms
  • 605+ bedrooms

Bedrooms in renter-occupied apartments in Swannanoa, NC (28778)

  • 0no bedroom
  • 2101 bedroom
  • 5942 bedrooms
  • 6593 bedrooms
  • 244 bedrooms
  • 385+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Swannanoa, NC (28778) in owner-occupied houses/condos

  • 131no vehicle
  • 7721 vehicle
  • 1,1352 vehicles
  • 4793 vehicles
  • 744 vehicles
  • 405+ vehicles

Cars and other vehicles available in Swannanoa, NC (28778) in renter-occupied apartments

  • 61no vehicle
  • 7691 vehicle
  • 4262 vehicles
  • 1903 vehicles
  • 334 vehicles
  • 465+ vehicles

Median gross rent in 2013: $764.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $151,300
28778:

$151,300
North Carolina:

$154,300
Lower value quartile - upper value quartile: $104,100 - $216,800

Mean price in 2013:

Detached houses: $278,613
Here:

$278,613
State:

$219,576

Townhouses or other attached units: $295,874
Here:

$295,874
State:

$173,086

In 2-unit structures: $118,830
Here:

$118,830
State:

$165,738

In 3-to-4-unit structures: $197,931
Here:

$197,931
State:

$149,371

In 5-or-more-unit structures: $151,107
Here:

$151,107
State:

$175,668

Mobile homes: $73,680
Here:

$73,680
State:

$64,697

Occupied boats, RVs, vans, etc.: $587,167
Here:

$587,167
State:

$131,724

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 8.2%

Neighborhoods in zip code 28778:

Percentage of zip code residents living and working in this county: 96.5%

Household type by relationship:

Households: 9,813

Size of family households: 1,321 2-persons, 676 3-persons, 288 4-persons, 206 5-persons, 16 6-persons, 69 7-or-more-persons

Size of nonfamily households: 1,196 1-person, 369 2-persons, 15 4-persons

1,199 married couples with children.
586 single-parent households (67 men, 519 women).

93.4% of residents of 28778 zip code speak English at home.
5.1% of residents speak Spanish at home (33% very well, 42% well, 25% not well).
0.9% of residents speak other Indo-European language at home (91% very well, 9% not well).
0.4% of residents speak Asian or Pacific Island language at home (68% very well, 32% well).
0.2% of residents speak other language at home (100% very well).

Foreign born population: 535 (5.0%)
(26.7% of them are naturalized citizens)
This zip code:

5.0%
Whole state:

7.6%

Most common places of birth for the foreign-born residents

  • 47%Mexico
  • 18%El Salvador
  • 11%Colombia
  • 4%England
  • 4%India
  • 3%Canada
  • 3%Scotland

Most common first ancestries reported in 28778 (%)

  • 24%Other groups
  • 20%American
  • 9%English
  • 9%German
  • 7%Irish
  • 4%Scotch-Irish
  • 3%Italian

Year of entry for the foreign-born population

  • 82010 or later
  • 4142000 to 2009
  • 51990 to 1999
  • 125Before 1990

Zip code 28778 topographic map

Major facilities with environmental interests located in this zip code:


Zip code 28778 marital status for males
Zip code 28778 marital status for females

Most commonly used house heating fuel

  • 61%Electricity
  • 17%Fuel oil, kerosene, etc.
  • 10%Utility gas
  • 7%Bottled, tank, or LP gas
  • 5%Wood

Population in 1990: 5,911. Population change in the 1990s: +3,410 (+57.7%).

Place of birth for U.S.-born residents:


56% of the 28778 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 55% lived in this county.
   Out of people who lived in different counties, 50% lived in North Carolina.

89% of the 28778 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 64% moved from this county.
   Out of people who lived in different houses, 20% moved from different county within same state.
   Out of people who lived in different houses, 16% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 81
Here:

9.4%
North Carolina:

9.3%
Students in private schools in grades 9 to 12 (high school): 6
Here:

1.2%
North Carolina:

7.7%
Students in private undergraduate colleges: 471
Here:

43.6%
North Carolina:

17.3%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 89,297Computer and mathematical occupations
  • 84,097Architecture and engineering occupations
  • 50,507Management occupations
  • 49,291Health diagnosing and treating practitioners and other technical occupations
  • 49,167Business and financial operations occupations
  • 40,523Education, training, and library occupations

Top industries in this zip code by the number of employees in 2005:


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 (Noninstitutionalized)

People in group quarters in 2010:

  • 774 people in college/university student housing
  • 100 people in nursing facilities/skilled-nursing facilities
  • 35 people in other noninstitutional facilities
  • 31 people in group homes intended for adults

People in group quarters in 2000:

  • 559 people in college dormitories (includes college quarters off campus)
  • 248 people in training schools for juvenile delinquents
  • 113 people in other noninstitutional group quarters
  • 24 people in homes for the mentally retarded

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 full and 2 partial tracts)
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)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED55$148,477124$183,265508$172,08112$121,42456$223,94413$312,795
APPLICATIONS APPROVED, NOT ACCEPTED2$118,63013$156,72325$168,7801$78,6905$279,4406$53,097
APPLICATIONS DENIED9$133,2409$214,012169$163,83313$49,29315$191,74816$103,531
APPLICATIONS WITHDRAWN13$160,73719$186,277134$155,7385$32,9286$218,23514$94,322
FILES CLOSED FOR INCOMPLETENESS4$146,7434$208,04331$208,4472$64,8005$174,8040$0

Detailed HMDA statistics for the following Tracts: 0030.01 , 0030.02

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 full and 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED19$229,1858$160,531
APPLICATIONS APPROVED, NOT ACCEPTED1$159,4803$497,320
APPLICATIONS DENIED0$01$256,000
APPLICATIONS WITHDRAWN0$01$276,990
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed PMIC statistics for the following Tracts: 0030.01 , 0030.02

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 28778 among deceased individuals
NameCountLived (average)
William8076.5 years
James6773.6 years
John6377.1 years
Mary5576.7 years
Robert2869.6 years
Charles2776.2 years
Helen2377.5 years
George2274.9 years
Margaret2076.2 years
Betty1974.1 years
Most common last names in zip code 28778 among deceased individuals
Last nameCountLived (average)
Davis2273.6 years
Mcmahan2275.6 years
Allen2174.1 years
Hall2075.2 years
Jones1874.3 years
Patton1771.0 years
Wilson1778.7 years
Burnette1671.2 years
Robinson1674.3 years
Edwards1475.6 years
Businesses in zip code 28778
NameCountNameCount
Ace Hardware1Subway1
Burger King1U-Haul2
FedEx1U.S. Cellular1
Goodwill1

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