28726 ZIP Code — East Flat Rock, NC

Henderson County, North Carolina

ZIP code 28726 is located in East Flat Rock, North Carolina, within Henderson County. It covers approximately 2.47 square miles and serves a population of 3,924 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28726

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $172,000. Owner-occupancy sits near the national average at 59%.

Median household income is $52,463. SNAP benefit usage at 22% of households reflects economic stress in the area. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with arts, entertainment, and food service as the leading industry. The average commute of 17 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks. 23% of residents lack health insurance, above the national average.

Overall, ZIP code 28726 reflects a community defined by a trades-oriented workforce, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,924

population

2.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28726 ZIP code map

Cities in ZIP code 28726

Below are the cities the US Postal Service accepts for ZIP code 28726. Using any city not on this list may result in mail delivery delays.

City	Status
East Flat Rock	Acceptable
East Flat Rock	Preferred

Nearby ZIP codes

28731 Flat Rock (1.8 mi) 28773 Saluda (5.8 mi) 28739 Hendersonville (6.7 mi) 28790 Zirconia (6.7 mi) 28791 Hendersonville (7.7 mi) 28792 Hendersonville (7.8 mi) 28729 Etowah (10.6 mi) 28766 Penrose (11.7 mi) 28732 Fletcher (12.7 mi) 29356 Landrum (14 mi) 29690 Travelers Rest (14.1 mi) 28782 Tryon (14.2 mi)

Demographics updated 05/2026

Population
Total population	3,924
Population density	1,589 / sq mi
State FIPS	37
County FIPS	089

Geography
Land area	2.47 sq mi
Water area	0.01 sq mi
Latitude	35.2810
Longitude	-82.4193
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	54.5%	42.5%	44.4%
$50k – $100k	37.8%	33.7%	30.6%
$100k – $200k	7.6%	19.3%	19.1%
Over $200k	0.0%	4.6%	6.0%

Demographics & statistics

3,924

Population

1,589

People per sq mi

31.1

Median age

$52,463

Median household income

$22,240

Per capita income

$172,000

Median home value

$884

Median monthly rent

58.5%

Home ownership

12.7%

Poverty rate

6.4%

Unemployment

787

Housing units

10.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

126

5–9

204

197

10–14

321

120

15–19

196

109

20–24

178

204

25–34

332

226

35–44

368

119

45–54

193

55–59

105

60–64

171

135

65–74

220

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,145	29.2%
18 and over	2,779	70.8%
65 and over	497	12.7%
Median age	31.1 years

Race & ethnicity

White 65.1%

Hispanic or Latino 11.9%

Other race 10.6%

Black or African American 6.7%

Asian 4.2%

Two or more races 1.5%

Group	Count	%
White	2,900	65.1%
Hispanic or Latino	530	11.9%
Other race	473	10.6%
Black or African American	299	6.7%
Asian	187	4.2%
Two or more races	65	1.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.5%	42.5%	44.4%
$50k – $100k	37.8%	33.7%	30.6%
$100k – $200k	7.6%	19.3%	19.1%
Over $200k	0.0%	4.6%	6.0%

Under $10k 4.5%

$10k–$15k 6.5%

$15k–$25k 5.4%

$25k–$35k 10.6%

$35k–$50k 20.4%

$50k–$75k 31.0%

$75k–$100k 5.9%

$100k–$150k 6.6%

$150k–$200k 3.3%

$200k+ 5.6%

Range	% of households
Under $10k	4.5%
$10k–$15k	6.5%
$15k–$25k	5.4%
$25k–$35k	10.6%
$35k–$50k	20.4%
$50k–$75k	31.0%
$75k–$100k	5.9%
$100k–$150k	6.6%
$150k–$200k	3.3%
$200k+	5.6%
Median income	$52,463

Housing

Home values

Under $50k 24.4%

$50k–$100k 6.5%

$100k–$150k 5.7%

$150k–$200k 19.2%

$200k–$300k 36.1%

$300k–$500k 8.1%

Housing overview

Metric	Value
Median home value	$172,000
Median rent / month	$884
Owner occupied	58.5%
Renter occupied	41.5%
Vacant	0.0%
Single-family detached	54.3%
Large apartment buildings	0.7%
Mobile homes	40.9%
Median rooms	5.4
Avg household size (owned)	2.72

Year built

Era	%
2020 or later	0.0%
2010–2019	2.0%
2000–2009	5.7%
1990–1999	24.2%
1980–1989	17.0%
1970–1979	19.6%
1960–1969	9.1%
1950–1959	10.5%
1940–1949	2.9%
1939 or earlier	8.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.9%
2 bedrooms	30.4%
3 bedrooms	66.2%
4 bedrooms	0.4%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	33.0%
2 vehicles	34.3%
3 or more	27.3%

Heating fuel

Fuel type	%
Utility gas	15.1%
Electricity	65.9%
Propane / LP gas	3.6%
Fuel oil	14.1%
Wood	1.2%

Households & families

Household type	Count	%
Married-couple family	476	35.4%
Cohabiting couple	68	5.1%
Male householder, no spouse	118	8.8%
Female householder, no spouse	683	50.8%
Households with children under 18	603	44.8%
Households with seniors (65+)	360	26.8%
Average household size	2.91

Marital status

Status	Male	Female
Never married	31.5%	36.8%
Married	50.4%	31.2%
Separated	9.6%	0.6%
Widowed	0.0%	10.6%
Divorced	8.6%	20.9%

Education

Less than 9th grade 11.4%

Some HS, no diploma 4.3%

HS graduate 44.1%

Some college, no degree 18.7%

Associate's degree 11.5%

Bachelor's degree 8.8%

Graduate / professional 1.3%

Metric	%
HS diploma or higher	84.3%
Bachelor's or higher	10.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	10	0.8%
Kindergarten	26	2.2%
Elementary school	700	58.6%
High school	395	33.1%
College / grad school	64	5.4%

Employment

Industry of employment

Arts, food & hospitality 20.9%

Manufacturing 20.6%

Retail trade 15.8%

Education & healthcare 9.3%

Construction 7.3%

Professional & management 7.3%

Agriculture & mining 6.1%

Other services 5.3%

Finance & real estate 5.2%

Wholesale trade 1.4%

Information 0.7%

Occupation

Category	%
Management, business & arts	24.1%
Service	25.2%
Sales & office	17.9%
Natural resources & construction	15.0%
Production & transportation	17.8%

Employment type

Type	%
Private sector	91.0%
Government	1.8%
Self-employed	7.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.6%
Carpool	13.0%
Public transit	0.0%
Walk	0.0%
Work from home	0.4%
Other means	0.0%
Avg commute (minutes)	16.5

Poverty

All people 12.7%

Under 18 years 15.0%

18 and over 11.8%

Married-couple families 0.0%

Female-led households 19.8%

Income support

Source	% of households
Social Security	35.5%
Retirement income	20.8%
Supplemental Security	7.4%
Cash public assistance	11.2%
Food stamps / SNAP	22.4%

Health indicators

Condition	%
Obesity	38.9%
High blood pressure	33.1%
High cholesterol	33.8%
Diabetes	11.3%
Heart disease	7.4%
Stroke	3.7%
Asthma	9.5%
Arthritis	26.6%
Kidney disease	3.4%
Pulmonary disease	8.5%
Cancer	6.3%

Behavior / access	%
Smoking	21.9%
Binge drinking	14.8%
No physical activity	26.9%
Less than 7 hrs sleep	34.1%
Depression	23.3%
Fair or poor health	18.0%
Poor mental health	15.5%
Poor physical health	12.6%
No health insurance	24.6%
Visited doctor (checkup)	76.7%
Visited dentist	57.0%
Cholesterol screening	87.2%
Teeth loss	18.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	140	5.0%

Disability	%
Any disability	10.5%
Under 18	1.1%
18–64 years	10.7%
65 and over	31.2%

Health insurance coverage

Type	%
Private insurance	45.3%
Public insurance	39.1%
No insurance	22.8%
Uninsured under 19	10.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,805	97.0%
Spanish	551	14.5%
Other Indo-European	411	10.8%
Asian & Pacific Islander	0	0.0%
Other languages	140	3.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,298	84.0%
Born in same state	3,196	81.4%
Born in different state	2,413	61.5%
Foreign born	102	2.6%
Naturalized citizen	626	16.0%
Not a US citizen	228	36.4%

Ancestry

Ancestry	Count	%
Italian	897	22.9%
French	311	7.9%
Arab	173	4.4%

Ancestry	Count	%
English	62	1.6%
Dutch	21	0.5%

Technology access

Metric	% of households
Computer access	34.3%
Internet access	95.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 28726

What city is ZIP code 28726 in?

ZIP code 28726 is primarily assigned to East Flat Rock, North Carolina.

What county is ZIP code 28726 in?

ZIP code 28726 falls within Henderson County, North Carolina.

How educated is the population of ZIP code 28726?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 28726 have a large retiree population?

36% of households in ZIP code 28726 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 28726?

The median home value in ZIP code 28726 is $172,000.

What is the population of ZIP code 28726?

ZIP code 28726 has an estimated population of 3,924 residents, with a density of 1,589 people per square mile.

What timezone is ZIP code 28726 in?

ZIP code 28726 observes the EST timezone.