Zip code 28731: Flat Rock, North Carolina

Q: What city is zip code 28731?

28731 is assigned to Flat Rock, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28731 in?

28731 is mostly in Henderson County, but it extends into 1 other county.

Q: What is the population of 28731?

About 8,672 people live in 28731, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28731?

The median household income in 28731 is $66,309.

Q: What zip codes are near 28731?

The closest zip codes to 28731 are 28726, 28724, 28773, 28784, 28793.

Residential delivery areaHenderson CountyEastern Time

Population

8,672

Median household income

$66K

U.S. $81K

Median home value

$402K

U.S. $333K

Median rent

$1,005/mo

U.S. $1,413

Median age

54.9

U.S. 38.9

Land area

33 sq mi

262 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 28731

28731 is a small-town zip code in Flat Rock, North Carolina (Henderson County), covering 33 sq mi of land. About 8,672 people live here, or 262 per square mile. The median resident is 54.9 years old, compared with 38.9 nationally.

The median household earns $66,309 a year, 18% below the national median of $80,734. 14% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $402,300, or 6.1 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 86% of occupied homes are lived in by their owners, and renters pay a median of $1,005 a month.

41% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; cleaning and personal care; and healthcare. 21% of them are self-employed (U.S.: 10%).

How 28731 compares

Sorted from highest to lowest national percentile

Median age54.9
98th
U.S. 38.9 · NC 39.192nd of 802 in NC
Residents 65 and older34.4%
98th
U.S. 17.2% · NC 17.2%56th of 802 in NC
Self-employed workers20.7%
98th
U.S. 10% · NC 9.8%53rd of 798 in NC
Tech workers7.8%
93rd
U.S. 3.8% · NC 3.9%39th of 798 in NC
Homeownership rate85.6%
90th
StrengthU.S. 65.2% · NC 66.6%142nd of 788 in NC
Veterans9.8%
89th
U.S. 6.2% · NC 7.4%181st of 801 in NC
Housing vacancy15.8%
88th
U.S. 10.1% · NC 12.5%287th of 789 in NC
Uninsured rate12.5%
82nd
WeaknessU.S. 8.4% · NC 9.9%209th of 797 in NC
Income inequality (Gini)0.468
75th
U.S. 0.483 · NC 0.477210th of 781 in NC
Unemployment rate6.1%
70th
U.S. 5.2% · NC 4.7%205th of 799 in NC
Broadband access94.4%
70th
U.S. 91% · NC 90.1%135th of 788 in NC
Bachelor's degree or higher41.1%
67th
U.S. 35.7% · NC 35.7%156th of 799 in NC
Per capita income$46,206
65th
U.S. $44,673 · NC $41,385147th of 799 in NC
Poverty rate14%
65th
U.S. 12.5% · NC 13%355th of 788 in NC
Median home value$402,300
62nd
U.S. $332,700 · NC $288,900109th of 757 in NC
Work from home12.4%
48th
U.S. 15.1% · NC 16.3%282nd of 799 in NC
Median earnings per worker$46,063
44th
U.S. $49,666 · NC $46,279258th of 788 in NC
Healthcare workers8.8%
39th
U.S. 9.7% · NC 9.5%435th of 798 in NC
Foreign-born residents5.8%
33rd
U.S. 14.1% · NC 9.1%295th of 802 in NC
Government workers11.6%
32nd
U.S. 14.5% · NC 13.8%554th of 798 in NC
Median household income$66,309
30th
U.S. $80,734 · NC $72,388345th of 748 in NC
Population density262/sq mi
24th
U.S. 95/sq mi · NC 221/sq mi300th of 802 in NC
Average commute22 min
23rd
U.S. 26.4 min · NC 25.1 min618th of 771 in NC
Median gross rent$1,005
22nd
U.S. $1,413 · NC $1,228310th of 688 in NC
Diversity index28.7
22nd
U.S. 61.4 · NC 58.4594th of 802 in NC
Population8,672
14th
U.S. 334,922,499 · NC 10,730,404332nd of 802 in NC
Rent-burdened renters37.9%
12th
StrengthU.S. 51.1% · NC 48.9%552nd of 760 in NC
Residents under 1814.9%
8th
U.S. 22% · NC 21.8%643rd of 802 in NC

Measure	28731	Henderson	NC	U.S.	National percentile	Rank in NC
Median age	54.9	47.5	39.1	38.9	98th	92nd of 802
Residents 65 and older	34.4%	26.5%	17.2%	17.2%	98th	56th of 802
Self-employed workers	20.7%	12.4%	9.8%	10%	98th	53rd of 798
Tech workers	7.8%	2.2%	3.9%	3.8%	93rd	39th of 798
Homeownership rateStrength	85.6%	75%	66.6%	65.2%	90th	142nd of 788
Veterans	9.8%	8.1%	7.4%	6.2%	89th	181st of 801
Housing vacancy	15.8%	12%	12.5%	10.1%	88th	287th of 789
Uninsured rateWeakness	12.5%	12.4%	9.9%	8.4%	82nd	209th of 797
Income inequality (Gini)	0.468	0.450	0.477	0.483	75th	210th of 781
Unemployment rate	6.1%	3.5%	4.7%	5.2%	70th	205th of 799
Broadband access	94.4%	90%	90.1%	91%	70th	135th of 788
Bachelor's degree or higher	41.1%	36.5%	35.7%	35.7%	67th	156th of 799
Per capita income	$46,206	$40,567	$41,385	$44,673	65th	147th of 799
Poverty rate	14%	11.6%	13%	12.5%	65th	355th of 788
Median home value	$402,300	$351,400	$288,900	$332,700	62nd	109th of 757
Work from home	12.4%	10.4%	16.3%	15.1%	48th	282nd of 799
Median earnings per worker	$46,063	$40,977	$46,279	$49,666	44th	258th of 788
Healthcare workers	8.8%	11%	9.5%	9.7%	39th	435th of 798
Foreign-born residents	5.8%	8.3%	9.1%	14.1%	33rd	295th of 802
Government workers	11.6%	12.2%	13.8%	14.5%	32nd	554th of 798
Median household income	$66,309	$68,187	$72,388	$80,734	30th	345th of 748
Population density	262/sq mi	318/sq mi	221/sq mi	95/sq mi	24th	300th of 802
Average commute	22 min	22.5 min	25.1 min	26.4 min	23rd	618th of 771
Median gross rent	$1,005	$1,187	$1,228	$1,413	22nd	310th of 688
Diversity index	28.7	35	58.4	61.4	22nd	594th of 802
Population	8,672	118,484	10,730,404	334,922,499	14th	332nd of 802
Rent-burdened rentersStrength	37.9%	47.7%	48.9%	51.1%	12th	552nd of 760
Residents under 18	14.9%	18.7%	21.8%	22%	8th	643rd of 802

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

11%

5–17

18–24

11%

25–34

10%

35–44

11%

45–54

15%

55–64

20%

65–74

15%

75+

Median age

54.9

Under 18

14.9%

65 and over

34.4%

Race and ethnicity

White84%
Black1%
Hispanic12%
Asian0.4%
Native American0%
Pacific Islander0%
Other0.2%
Multiracial3%

Diversity index

28.7

U.S. 61.4

Foreign-born

5.8%

U.S. 14.1%

Born in state

46%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

0.3%

Asian / Pacific

0.5%

Other

0.3%

Households

Households: 3,783
Average household size: 2.2
Family households: 66.6%
Married couples: 53.7%
Living alone: 29.6%
Veterans (of adults): 9.8%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

24%

$50–75k

16%

$75–100k

11%

$100–150k

17%

$150–200k

11%

$200k+

Median household income

28731

$66,309

Henderson Co.

$68,187

North Carolina

$72,388

United States

$80,734

Per capita income

$46,206

U.S. $44,673

Poverty rate

14%

U.S. 12.5%

Households earning $150K+

18.3%

U.S. 23%

Income inequality (Gini)

0.468

U.S. 0.483

Housing

Median home value

28731

$402,300

Henderson Co.

$351,400

North Carolina

$288,900

United States

$332,700

Median gross rent

28731

$1,005

Henderson Co.

$1,187

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

77%

2–4 units

5–19 units

0.9%

20+ units

0.2%

Mobile home

20%

Boat, RV, van

Housing units: 4,495
Owner-occupied: 85.6%
Vacant: 15.8%
Median year built: 1993
Median rooms: 6.1
Renters paying 30%+ of income: 37.9%
Renters paying 50%+ of income: 27.5%
Home value to income: 6.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

Walked

Bicycle

Worked from home

12%

Other

Commute time (one way)

<10 min

17%

10–19

35%

20–29

22%

30–44

17%

45–59

60+

Average commute

22 min

U.S. 26.4 min

Unemployment

6.1%

U.S. 5.2%

In labor force

50.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

10%

Cleaning and personal care

10%

Healthcare

Office and admin

Computer and math

Transportation and moving

Sales

Construction and repair

Food service

Production

Legal and social services

Business and finance

Education

Arts, media and sports

Police and fire

Engineering and science

Farming, fishing and forestry

0.4%

Industries

Health care and social assistance

14%

Retail

13%

Construction

11%

Manufacturing

10%

Finance, insurance and real estate

Other services

Professional and technical services

Restaurants and hotels

Admin, support and management

Public administration

Education

Transportation, warehousing and utilities

Information

Arts and recreation

Agriculture and mining

0.6%

Wholesale

0.5%

Median earnings per worker

$46,063

U.S. $49,666

Self-employed

20.7%

U.S. 10%

Government workers

11.6%

U.S. 14.5%

Nonprofit workers

6.7%

U.S. 8.8%

Median earnings by type of work

Type of work	28731	U.S.
Management, business, science and arts	$78,333	$74,888
Service	$22,188	$26,804
Sales and office	$42,594	$40,476
Construction and maintenance	$45,966	$49,199
Production and transportation	$31,425	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

23%

Some college

16%

Associate's

10%

Bachelor's

22%

Graduate

19%

High school graduate or higher: 91%
Bachelor's degree or higher: 41.1%
Graduate or professional degree: 19.4%
Households with broadband: 94.4%
Cable, fiber or DSL: 78%
No internet access: 3.3%
Without health insurance: 12.5%
Limited-English households: 2.2%

Geography

City (USPS): Flat Rock
State: North Carolina
County: Henderson County
Center point: 35.2935° N, 82.3803° W
Land area: 33 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

28731 spans 2 counties

Henderson County81% of land
Polk County20% of land

Cities and towns within this zip

Flat Rock15% of zip
Dana (unincorporated)15% of zip
East Flat Rock (unincorporated)4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 28731

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
28726	East Flat Rock, NC	2.2 mi	4,363	$54,152	$198,400
28724	Dana, NC · PO box	2.5 mi	—	—	—
28773	Saluda, NC	5.2 mi	3,441	$70,703	$413,700
28784	Tuxedo, NC · PO box	5.7 mi	—	—	—
28793	Hendersonville, NC · PO box	7 mi	—	—	—
28792	Hendersonville, NC	7 mi	36,645	$55,522	$278,500
28727	Edneyville, NC · PO box	7.3 mi	—	—	—
28760	Naples, NC · PO box	8.3 mi	—	—	—
28791	Hendersonville, NC	8.4 mi	15,108	$78,827	$370,700
28739	Hendersonville, NC	8.5 mi	20,843	$73,582	$394,900
28758	Mountain Home, NC	8.6 mi	41	—	—
28750	Lynn, NC · PO box	9 mi	—	—	—

Zip codes like 28731 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Chincoteague Island, VA

Questions about 28731

What city is zip code 28731?

28731 is assigned to Flat Rock, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28731 in?

28731 is mostly in Henderson County, but it extends into 1 other county.

What is the population of 28731?

About 8,672 people live in 28731, according to the Census Bureau's American Community Survey.

What time zone is 28731 in?

28731 is in Eastern Time.

What is the median household income in 28731?

The median household income in 28731 is $66,309.

What zip codes are near 28731?

The closest zip codes to 28731 are 28726, 28724, 28773, 28784, 28793.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28731, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.