28720 ZIP Code — Chimney Rock, NC
Rutherford County, North Carolina
ZIP code 28720 is located in Chimney Rock, North Carolina, within Rutherford County. It covers approximately 9.28 square miles and serves a population of 144 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.
144
population
9.28
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
28720 ZIP code map
Cities in ZIP code 28720
Below are the cities the US Postal Service accepts for ZIP code 28720. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Chimney Rock | Acceptable |
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 144 |
| Population density | 16 / sq mi |
| State FIPS | 37 |
| County FIPS | 161 |
| Geography | |
|---|---|
| Land area | 9.28 sq mi |
| Water area | 0.00 sq mi |
| Latitude | 35.4393 |
| Longitude | -82.2469 |
| Timezone | Eastern (ET) |
| Area code | 828 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 47.0% | 58.1% | 44.4% |
| $50k – $100k | 18.1% | 28.4% | 30.6% |
| $100k – $200k | 32.5% | 10.0% | 19.1% |
| Over $200k | 2.4% | 3.5% | 6.0% |
Demographics & statistics
144
Population
16
People per sq mi
58.8
Median age
$60,417
Median household income
$50,964
Per capita income
$333,300
Median home value
$1,358
Median monthly rent
69.3%
Home ownership
12.5%
Poverty rate
0.0%
Unemployment
153
Housing units
31.9%
Bachelor's or higher
Age distribution
Male
Female
3
10–14
6
1
25–34
2
10
35–44
18
8
45–54
15
3
55–59
7
6
60–64
12
11
65–74
22
6
75–84
10
1
85+
3
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 9 | 6.3% |
| 18 and over | 135 | 93.8% |
| 65 and over | 53 | 36.8% |
| Median age | 58.8 years | |
Race & ethnicity
White
98.6%
American Indian / Alaska Native
1.4%
| Group | Count | % |
|---|---|---|
| White | 142 | 98.6% |
| American Indian / Alaska Native | 2 | 1.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 47.0% | 58.1% | 44.4% |
| $50k – $100k | 18.1% | 28.4% | 30.6% |
| $100k – $200k | 32.5% | 10.0% | 19.1% |
| Over $200k | 2.4% | 3.5% | 6.0% |
Under $10k
2.7%
$10k–$15k
12.0%
$15k–$25k
5.3%
$25k–$35k
9.3%
$35k–$50k
8.0%
$50k–$75k
32.0%
$75k–$100k
2.7%
$100k–$150k
1.3%
$150k–$200k
20.0%
$200k+
6.7%
| Range | % of households |
|---|---|
| Under $10k | 2.7% |
| $10k–$15k | 12.0% |
| $15k–$25k | 5.3% |
| $25k–$35k | 9.3% |
| $35k–$50k | 8.0% |
| $50k–$75k | 32.0% |
| $75k–$100k | 2.7% |
| $100k–$150k | 1.3% |
| $150k–$200k | 20.0% |
| $200k+ | 6.7% |
| Median income | $60,417 |
Housing
Home values
$50k–$100k
3.8%
$100k–$150k
26.9%
$150k–$200k
3.8%
$200k–$300k
9.6%
$300k–$500k
19.2%
$500k–$1M
34.6%
$1M+
1.9%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $333,300 |
| Median rent / month | $1,358 |
| Owner occupied | 69.3% |
| Renter occupied | 30.7% |
| Vacant | 57.4% |
| Single-family detached | 85.8% |
| Large apartment buildings | 0.0% |
| Mobile homes | 5.1% |
| Median rooms | 4.1 |
| Avg household size (owned) | 1.87 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.1% |
| 2010–2019 | 1.1% |
| 2000–2009 | 6.8% |
| 1990–1999 | 11.4% |
| 1980–1989 | 8.5% |
| 1970–1979 | 17.0% |
| 1960–1969 | 12.5% |
| 1950–1959 | 6.3% |
| 1940–1949 | 17.0% |
| 1939 or earlier | 18.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 6.8% |
| 1 bedroom | 5.7% |
| 2 bedrooms | 46.0% |
| 3 bedrooms | 31.3% |
| 4 bedrooms | 8.0% |
| 5+ bedrooms | 2.3% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 1.3% |
| 1 vehicle | 26.7% |
| 2 vehicles | 50.7% |
| 3 or more | 21.3% |
Heating fuel
| Fuel type | % |
|---|---|
| Electricity | 74.7% |
| Propane / LP gas | 16.0% |
| Fuel oil | 2.7% |
| No fuel used | 6.7% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 33 | 44.0% |
| Cohabiting couple | 5 | 6.7% |
| Male householder, no spouse | 3 | 4.0% |
| Female householder, no spouse | 34 | 45.3% |
| Households with children under 18 | 7 | 9.3% |
| Households with seniors (65+) | 30 | 40.0% |
| Average household size | 1.92 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 7.3% | 23.4% |
| Married | 78.0% | 37.2% |
| Separated | 0.0% | 5.3% |
| Widowed | 0.0% | 26.6% |
| Divorced | 14.6% | 7.4% |
Education
Less than 9th grade
0.0%
Some HS, no diploma
0.0%
HS graduate
37.0%
Some college, no degree
20.7%
Associate's degree
10.4%
Bachelor's degree
18.5%
Graduate / professional
13.3%
| Metric | % |
|---|---|
| HS diploma or higher | 100.0% |
| Bachelor's or higher | 31.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 0 | 0.0% |
| Kindergarten | 0 | 0.0% |
| Elementary school | 9 | 100.0% |
| High school | 0 | 0.0% |
| College / grad school | 0 | 0.0% |
Employment
Industry of employment
Professional & management
31.3%
Transportation & utilities
18.8%
Education & healthcare
13.8%
Retail trade
12.5%
Construction
8.8%
Other services
8.8%
Manufacturing
6.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 33.8% |
| Service | 3.8% |
| Sales & office | 40.0% |
| Natural resources & construction | 12.5% |
| Production & transportation | 10.0% |
Employment type
| Type | % |
|---|---|
| Private sector | 52.5% |
| Government | 31.3% |
| Self-employed | 16.3% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 71.3% |
| Carpool | 2.5% |
| Public transit | 0.0% |
| Walk | 17.5% |
| Work from home | 2.5% |
| Other means | 6.3% |
| Avg commute (minutes) | 13.7 |
Poverty
All people
12.5%
Under 18 years
0.0%
18 and over
13.3%
Married-couple families
0.0%
Female-led households
0.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 61.3% |
| Retirement income | 20.0% |
| Supplemental Security | 6.7% |
| Cash public assistance | 0.0% |
| Food stamps / SNAP | 1.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 30.0% |
| High blood pressure | 40.5% |
| High cholesterol | 40.8% |
| Diabetes | 12.5% |
| Heart disease | 9.3% |
| Stroke | 3.9% |
| Asthma | 8.4% |
| Arthritis | 33.0% |
| Kidney disease | 3.8% |
| Pulmonary disease | 8.2% |
| Cancer | 9.8% |
| Behavior / access | % |
|---|---|
| Smoking | 16.0% |
| Binge drinking | 12.8% |
| No physical activity | 20.6% |
| Less than 7 hrs sleep | 29.4% |
| Depression | 21.2% |
| Fair or poor health | 13.3% |
| Poor mental health | 11.5% |
| Poor physical health | 10.9% |
| No health insurance | 12.2% |
| Visited doctor (checkup) | 81.4% |
| Visited dentist | 68.3% |
| Cholesterol screening | 94.4% |
| Teeth loss | 10.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 19 | 14.1% |
| Disability | % |
|---|---|
| Any disability | 24.3% |
| Under 18 | 0.0% |
| 18–64 years | 15.9% |
| 65 and over | 41.5% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 79.2% |
| Public insurance | 45.8% |
| No insurance | 0.7% |
| Uninsured under 19 | 0.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 144 | 100.0% |
| Spanish | 0 | 0.0% |
| Other Indo-European | 0 | 0.0% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 143 | 99.3% |
| Born in same state | 143 | 99.3% |
| Born in different state | 50 | 34.7% |
| Foreign born | 0 | 0.0% |
| Naturalized citizen | 1 | 0.7% |
| Not a US citizen | 1 | 100.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 44 | 30.6% |
| Arab | 23 | 16% |
| Ancestry | Count | % |
|---|---|---|
| Italian | 4 | 2.8% |
| German | 2 | 1.4% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 52.1% |
| Internet access | 100.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28720
What city is ZIP code 28720 in?
ZIP code 28720 is primarily assigned to Chimney Rock, North Carolina.
What county is ZIP code 28720 in?
ZIP code 28720 falls within Rutherford County, North Carolina.
Does ZIP code 28720 have an older population?
37% of residents in ZIP code 28720 are 65 or older, above the national average of ~17%.
Does ZIP code 28720 have a large retiree population?
61% of households in ZIP code 28720 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 28720 have a large veteran population?
14% of civilians in ZIP code 28720 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 28720?
The median home value in ZIP code 28720 is $333,300.
What timezone is ZIP code 28720 in?
ZIP code 28720 observes the EST timezone.