Zip code 28746: Lake Lure, North Carolina

Q: What city is zip code 28746?

28746 is assigned to Lake Lure, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 28746 in?

28746 is in Rutherford County, North Carolina.

Q: What is the population of 28746?

About 2,744 people live in 28746, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 28746?

The median household income in 28746 is $70,469.

Q: What zip codes are near 28746?

The closest zip codes to 28746 are 28720, 28710, 28756, 28735, 28711.

Residential delivery areaRutherford CountyEastern Time

Population

2,744

Median household income

$70K

U.S. $81K

Median home value

$471K

U.S. $333K

Median rent

$892/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

45 sq mi

61 people/sq mi

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

About 28746

28746 is a small-town zip code in Lake Lure, North Carolina (Rutherford County), covering 45 sq mi of land. About 2,744 people live here, or 61 per square mile. The median resident is 61 years old, compared with 38.9 nationally.

The median household earns $70,469 a year, close to the national median of $80,734. 16.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $470,700, or 6.7 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 89% of occupied homes are lived in by their owners, and renters pay a median of $892 a month.

46% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 37.1 minutes each way, and 22% of workers work from home. The most common jobs among working residents are in management, healthcare and sales. 16% of them are self-employed (U.S.: 10%).

How 28746 compares

Sorted from highest to lowest national percentile

Median age61
99th
U.S. 38.9 · NC 39.128th of 802 in NC
Housing vacancy58.1%
99th
U.S. 10.1% · NC 12.5%30th of 789 in NC
Residents 65 and older39.8%
99th
U.S. 17.2% · NC 17.2%23rd of 802 in NC
Income inequality (Gini)0.555
98th
WeaknessU.S. 0.483 · NC 0.47727th of 781 in NC
Average commute37.1 min
95th
WeaknessU.S. 26.4 min · NC 25.1 min42nd of 771 in NC
Homeownership rate88.7%
94th
StrengthU.S. 65.2% · NC 66.6%94th of 788 in NC
Veterans11.7%
94th
U.S. 6.2% · NC 7.4%124th of 801 in NC
Self-employed workers16.2%
93rd
U.S. 10% · NC 9.8%108th of 798 in NC
Healthcare workers13.8%
92nd
U.S. 9.7% · NC 9.5%117th of 798 in NC
Per capita income$57,878
83rd
StrengthU.S. $44,673 · NC $41,38569th of 799 in NC
Work from home22.3%
83rd
U.S. 15.1% · NC 16.3%101st of 799 in NC
Rent-burdened renters57.5%
75th
U.S. 51.1% · NC 48.9%158th of 760 in NC
Poverty rate16.4%
74th
U.S. 12.5% · NC 13%257th of 788 in NC
Bachelor's degree or higher46.2%
74th
U.S. 35.7% · NC 35.7%120th of 799 in NC
Median home value$470,700
72nd
U.S. $332,700 · NC $288,90065th of 757 in NC
Unemployment rate6%
68th
U.S. 5.2% · NC 4.7%216th of 799 in NC
Tech workers3.9%
67th
U.S. 3.8% · NC 3.9%153rd of 798 in NC
Uninsured rate8.2%
60th
U.S. 8.4% · NC 9.9%490th of 797 in NC
Median household income$70,469
36th
U.S. $80,734 · NC $72,388280th of 748 in NC
Median earnings per worker$41,875
28th
U.S. $49,666 · NC $46,279403rd of 788 in NC
Foreign-born residents3.4%
21st
U.S. 14.1% · NC 9.1%469th of 802 in NC
Government workers10.1%
19th
U.S. 14.5% · NC 13.8%637th of 798 in NC
Diversity index25.2
18th
U.S. 61.4 · NC 58.4623rd of 802 in NC
Broadband access85.5%
14th
WeaknessU.S. 91% · NC 90.1%474th of 788 in NC
Median gross rent$892
13th
U.S. $1,413 · NC $1,228412th of 688 in NC
Population density61/sq mi
9th
U.S. 95/sq mi · NC 221/sq mi581st of 802 in NC
Population2,744
4th
U.S. 334,922,499 · NC 10,730,404534th of 802 in NC
Residents under 1812.3%
4th
U.S. 22% · NC 21.8%701st of 802 in NC

Measure	28746	Rutherford	NC	U.S.	National percentile	Rank in NC
Median age	61	45.3	39.1	38.9	99th	28th of 802
Housing vacancy	58.1%	18.7%	12.5%	10.1%	99th	30th of 789
Residents 65 and older	39.8%	22.3%	17.2%	17.2%	99th	23rd of 802
Income inequality (Gini)Weakness	0.555	0.467	0.477	0.483	98th	27th of 781
Average commuteWeakness	37.1 min	26.1 min	25.1 min	26.4 min	95th	42nd of 771
Homeownership rateStrength	88.7%	73.9%	66.6%	65.2%	94th	94th of 788
Veterans	11.7%	7.4%	7.4%	6.2%	94th	124th of 801
Self-employed workers	16.2%	11.2%	9.8%	10%	93rd	108th of 798
Healthcare workers	13.8%	10.5%	9.5%	9.7%	92nd	117th of 798
Per capita incomeStrength	$57,878	$30,460	$41,385	$44,673	83rd	69th of 799
Work from home	22.3%	8.6%	16.3%	15.1%	83rd	101st of 799
Rent-burdened renters	57.5%	46.8%	48.9%	51.1%	75th	158th of 760
Poverty rate	16.4%	16.8%	13%	12.5%	74th	257th of 788
Bachelor's degree or higher	46.2%	21.5%	35.7%	35.7%	74th	120th of 799
Median home value	$470,700	$201,800	$288,900	$332,700	72nd	65th of 757
Unemployment rate	6%	6.3%	4.7%	5.2%	68th	216th of 799
Tech workers	3.9%	2.3%	3.9%	3.8%	67th	153rd of 798
Uninsured rate	8.2%	12%	9.9%	8.4%	60th	490th of 797
Median household income	$70,469	$51,410	$72,388	$80,734	36th	280th of 748
Median earnings per worker	$41,875	$37,600	$46,279	$49,666	28th	403rd of 788
Foreign-born residents	3.4%	3.1%	9.1%	14.1%	21st	469th of 802
Government workers	10.1%	14%	13.8%	14.5%	19th	637th of 798
Diversity index	25.2	33.6	58.4	61.4	18th	623rd of 802
Broadband accessWeakness	85.5%	82.9%	90.1%	91%	14th	474th of 788
Median gross rent	$892	$783	$1,228	$1,413	13th	412th of 688
Population density	61/sq mi	115/sq mi	221/sq mi	95/sq mi	9th	581st of 802
Population	2,744	64,930	10,730,404	334,922,499	4th	534th of 802
Residents under 18	12.3%	20.1%	21.8%	22%	4th	701st 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

25–34

35–44

45–54

22%

55–64

26%

65–74

14%

75+

Median age

Under 18

12.3%

65 and over

39.8%

Race and ethnicity

White86%
Black4%
Hispanic5%
Asian0.0%
Native American0.2%
Pacific Islander0.3%
Other0%
Multiracial4%

Diversity index

25.2

U.S. 61.4

Foreign-born

3.4%

U.S. 14.1%

Born in state

29.9%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

Asian / Pacific

Other

0.4%

Households

Households: 1,397
Average household size: 2
Family households: 60.5%
Married couples: 53.5%
Living alone: 35.1%
Veterans (of adults): 11.7%
Male / female: 44% / 56%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

22%

$50–75k

17%

$75–100k

17%

$100–150k

13%

$150–200k

$200k+

14%

Median household income

28746

$70,469

Rutherford Co.

$51,410

North Carolina

$72,388

United States

$80,734

Per capita income

$57,878

U.S. $44,673

Poverty rate

16.4%

U.S. 12.5%

Households earning $150K+

16.8%

U.S. 23%

Income inequality (Gini)

0.555

U.S. 0.483

Housing

Median home value

28746

$470,700

Rutherford Co.

$201,800

North Carolina

$288,900

United States

$332,700

Median gross rent

28746

$892

Rutherford Co.

$783

North Carolina

$1,228

United States

$1,413

Types of housing

Single-family

82%

2–4 units

10%

5–19 units

20+ units

Mobile home

Boat, RV, van

0.2%

Housing units: 3,338
Owner-occupied: 88.7%
Vacant: 58.1%
Median year built: 1991
Median rooms: 5.5
Renters paying 30%+ of income: 57.5%
Renters paying 50%+ of income: 39.1%
Home value to income: 6.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

71%

Carpooled

Transit

Walked

0.9%

Bicycle

Worked from home

22%

Other

Commute time (one way)

<10 min

14%

10–19

15%

20–29

30–44

31%

45–59

17%

60+

14%

Average commute

37.1 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

42.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

20%

Healthcare

14%

Sales

Office and admin

Business and finance

Education

Construction and repair

Cleaning and personal care

Production

Computer and math

Transportation and moving

Engineering and science

Farming, fishing and forestry

Police and fire

Food service

0.9%

Legal and social services

0.8%

Arts, media and sports

0.4%

Industries

Health care and social assistance

20%

Professional and technical services

14%

Finance, insurance and real estate

10%

Manufacturing

10%

Retail

Education

Construction

Restaurants and hotels

Public administration

Admin, support and management

Other services

Information

Agriculture and mining

Transportation, warehousing and utilities

Arts and recreation

Wholesale

Median earnings per worker

$41,875

U.S. $49,666

Self-employed

16.2%

U.S. 10%

Government workers

10.1%

U.S. 14.5%

Nonprofit workers

9.8%

U.S. 8.8%

Median earnings by type of work

Type of work	28746	U.S.
Management, business, science and arts	$90,486	$74,888
Service	$28,664	$26,804
Sales and office	$31,929	$40,476
Construction and maintenance	$35,625	$49,199
Production and transportation	$28,750	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

18%

Some college

20%

Associate's

13%

Bachelor's

29%

Graduate

17%

High school graduate or higher: 97.5%
Bachelor's degree or higher: 46.2%
Graduate or professional degree: 17.2%
Households with broadband: 85.5%
Cable, fiber or DSL: 56.3%
No internet access: 11.2%
Without health insurance: 8.2%
Limited-English households: 3.5%

Geography

City (USPS): Lake Lure
State: North Carolina
County: Rutherford County
Center point: 35.4772° N, 82.1617° W
Land area: 45 sq mi
Water area: 1.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Lake Lure29% of zip

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

Zip codes near 28746

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
28720	Chimney Rock, NC	6 mi	138	$63,438	$445,500
28710	Bat Cave, NC	6.8 mi	78	—	—
28756	Mill Spring, NC	8.8 mi	4,706	$63,663	$277,600
28735	Gerton, NC	11 mi	124	—	$398,900
28711	Black Mountain, NC	11 mi	12,663	$74,761	$370,200
28762	Old Fort, NC	11 mi	6,599	$66,410	$196,600
28727	Edneyville, NC · PO box	12 mi	—	—	—
28167	Union Mills, NC	12 mi	2,253	$59,732	$234,500
28730	Fairview, NC	12 mi	7,605	$102,900	$433,300
28770	Ridgecrest, NC	12 mi	0	—	—
28139	Rutherfordton, NC	13 mi	20,008	$56,558	$240,200
28792	Hendersonville, NC	13 mi	36,645	$55,522	$278,500

Zip codes like 28746 elsewhere

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

Questions about 28746

What city is zip code 28746?

28746 is assigned to Lake Lure, North Carolina. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 28746 in?

28746 is in Rutherford County, North Carolina.

What is the population of 28746?

About 2,744 people live in 28746, according to the Census Bureau's American Community Survey.

What time zone is 28746 in?

28746 is in Eastern Time.

What is the median household income in 28746?

The median household income in 28746 is $70,469.

What zip codes are near 28746?

The closest zip codes to 28746 are 28720, 28710, 28756, 28735, 28711.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 28746, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.