28731 ZIP Code — Flat Rock, NC

Henderson County, North Carolina

ZIP code 28731 is located in Flat Rock, North Carolina, within Henderson County. It covers approximately 33.11 square miles and serves a population of 8,506 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28731

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 $309,200. Owner-occupancy is high at 81%, well above the national average.

Median household income is $68,276. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 28731 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,506

population

33.11

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28731 ZIP code map

Cities in ZIP code 28731

Below are the cities the US Postal Service accepts for ZIP code 28731. Using any city not on this list may result in mail delivery delays.

City	Status
Flat Rock	Preferred

Nearby ZIP codes

28726 East Flat Rock (1.8 mi) 28773 Saluda (4.5 mi) 28792 Hendersonville (7.1 mi) 28790 Zirconia (8.1 mi) 28739 Hendersonville (8.5 mi) 28791 Hendersonville (8.6 mi) 28729 Etowah (12.2 mi) 28782 Tryon (12.7 mi) 28732 Fletcher (12.9 mi) 28756 Mill Spring (13.1 mi) 29356 Landrum (13.3 mi) 28766 Penrose (13.4 mi)

Demographics updated 05/2026

Population
Total population	8,506
Population density	257 / sq mi
State FIPS	37
County FIPS	089

Geography
Land area	33.11 sq mi
Water area	0.14 sq mi
Latitude	35.2876
Longitude	-82.3887
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	44.0%	42.5%	44.4%
$50k – $100k	29.1%	33.7%	30.6%
$100k – $200k	23.1%	19.3%	19.1%
Over $200k	3.8%	4.6%	6.0%

Demographics & statistics

8,506

Population

257

People per sq mi

53.4

Median age

$68,276

Median household income

$37,833

Per capita income

$309,200

Median home value

$920

Median monthly rent

80.5%

Home ownership

15.1%

Poverty rate

7.7%

Unemployment

3,692

Housing units

33.7%

Bachelor's or higher

Age distribution

Male Female

221

Under 5

218

135

5–9

133

242

10–14

238

15–19

237

20–24

234

489

25–34

480

420

35–44

413

438

45–54

430

323

55–59

318

316

60–64

311

798

65–74

785

472

75–84

465

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,311	15.4%
18 and over	7,195	84.6%
65 and over	2,714	31.9%
Median age	53.4 years

Race & ethnicity

White 87.7%

Two or more races 4.2%

Hispanic or Latino 3%

Other race 2.1%

Black or African American 1.6%

American Indian / Alaska Native 1.1%

Asian 0.4%

Group	Count	%
White	7,691	87.7%
Two or more races	366	4.2%
Hispanic or Latino	263	3%
Other race	182	2.1%
Black or African American	139	1.6%
American Indian / Alaska Native	93	1.1%
Asian	35	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.0%	42.5%	44.4%
$50k – $100k	29.1%	33.7%	30.6%
$100k – $200k	23.1%	19.3%	19.1%
Over $200k	3.8%	4.6%	6.0%

Under $10k 4.5%

$10k–$15k 1.9%

$15k–$25k 8.2%

$25k–$35k 17.5%

$35k–$50k 9.9%

$50k–$75k 13.1%

$75k–$100k 11.0%

$100k–$150k 20.2%

$150k–$200k 9.2%

$200k+ 4.6%

Range	% of households
Under $10k	4.5%
$10k–$15k	1.9%
$15k–$25k	8.2%
$25k–$35k	17.5%
$35k–$50k	9.9%
$50k–$75k	13.1%
$75k–$100k	11.0%
$100k–$150k	20.2%
$150k–$200k	9.2%
$200k+	4.6%
Median income	$68,276

Housing

Home values

Under $50k 8.9%

$50k–$100k 4.0%

$100k–$150k 4.7%

$150k–$200k 10.6%

$200k–$300k 20.5%

$300k–$500k 25.6%

$500k–$1M 23.8%

$1M+ 2.0%

Housing overview

Metric	Value
Median home value	$309,200
Median rent / month	$920
Owner occupied	80.5%
Renter occupied	19.5%
Vacant	18.5%
Single-family detached	69.6%
Large apartment buildings	1.5%
Mobile homes	20.9%
Median rooms	6.0
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.8%
2010–2019	8.9%
2000–2009	20.9%
1990–1999	26.7%
1980–1989	19.1%
1970–1979	10.3%
1960–1969	3.5%
1950–1959	5.5%
1940–1949	0.9%
1939 or earlier	3.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	5.6%
2 bedrooms	32.1%
3 bedrooms	43.9%
4 bedrooms	13.6%
5+ bedrooms	3.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	33.9%
2 vehicles	39.1%
3 or more	22.9%

Heating fuel

Fuel type	%
Utility gas	30.2%
Electricity	53.2%
Propane / LP gas	7.3%
Fuel oil	3.5%
Wood	4.9%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	2,141	59.8%
Cohabiting couple	314	8.8%
Male householder, no spouse	489	13.7%
Female householder, no spouse	634	17.7%
Households with children under 18	680	19.0%
Households with seniors (65+)	1,842	51.5%
Average household size	2.32

Marital status

Status	Male	Female
Never married	26.1%	15.4%
Married	62.5%	61.3%
Separated	1.4%	1.9%
Widowed	1.5%	8.3%
Divorced	8.6%	13.0%

Education

Less than 9th grade 6.5%

Some HS, no diploma 3.2%

HS graduate 26.0%

Some college, no degree 18.8%

Associate's degree 11.8%

Bachelor's degree 19.6%

Graduate / professional 14.1%

Metric	%
HS diploma or higher	90.3%
Bachelor's or higher	33.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	103	7.6%
Kindergarten	60	4.4%
Elementary school	637	47.0%
High school	198	14.6%
College / grad school	358	26.4%

Employment

Industry of employment

Retail trade 16.3%

Education & healthcare 14.7%

Construction 12.2%

Arts, food & hospitality 11.1%

Professional & management 10.9%

Manufacturing 10.1%

Other services 8.0%

Finance & real estate 7.6%

Transportation & utilities 3.4%

Information 2.5%

Agriculture & mining 1.9%

Public administration 1.0%

Wholesale trade 0.2%

Occupation

Category	%
Management, business & arts	35.1%
Service	17.9%
Sales & office	18.9%
Natural resources & construction	12.0%
Production & transportation	16.2%

Employment type

Type	%
Private sector	79.9%
Government	9.2%
Self-employed	10.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.6%
Carpool	6.5%
Public transit	0.0%
Walk	1.5%
Work from home	11.9%
Other means	2.4%
Avg commute (minutes)	20.4

Poverty

All people 15.1%

Under 18 years 32.6%

18 and over 11.8%

Married-couple families 5.4%

Female-led households 58.0%

Income support

Source	% of households
Social Security	46.5%
Retirement income	33.5%
Supplemental Security	4.9%
Cash public assistance	2.2%
Food stamps / SNAP	6.1%

Health indicators

Condition	%
Obesity	34.9%
High blood pressure	36.7%
High cholesterol	39.8%
Diabetes	11.3%
Heart disease	8.4%
Stroke	3.8%
Asthma	8.6%
Arthritis	30.7%
Kidney disease	3.6%
Pulmonary disease	8.1%
Cancer	9.0%

Behavior / access	%
Smoking	17.1%
Binge drinking	13.0%
No physical activity	22.4%
Less than 7 hrs sleep	30.5%
Depression	21.1%
Fair or poor health	14.6%
Poor mental health	12.7%
Poor physical health	11.2%
No health insurance	18.2%
Visited doctor (checkup)	80.1%
Visited dentist	66.4%
Cholesterol screening	91.7%
Teeth loss	11.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	684	9.5%

Disability	%
Any disability	14.6%
Under 18	12.7%
18–64 years	9.8%
65 and over	23.8%

Health insurance coverage

Type	%
Private insurance	59.3%
Public insurance	49.1%
No insurance	14.9%
Uninsured under 19	13.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,067	94.8%
Spanish	284	3.5%
Other Indo-European	284	3.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,018	94.3%
Born in same state	7,774	91.4%
Born in different state	4,096	48.2%
Foreign born	244	2.9%
Naturalized citizen	488	5.7%
Not a US citizen	183	37.5%

Ancestry

Ancestry	Count	%
French	1,319	15.5%
Italian	1,122	13.2%
Arab	784	9.2%
German	107	1.3%

Ancestry	Count	%
English	45	0.5%
Irish	36	0.4%
Polish	31	0.4%

Technology access

Metric	% of households
Computer access	42.1%
Internet access	95.8%

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

Frequently asked questions about ZIP code 28731

What city is ZIP code 28731 in?

ZIP code 28731 is primarily assigned to Flat Rock, North Carolina.

What county is ZIP code 28731 in?

ZIP code 28731 falls within Henderson County, North Carolina.

Does ZIP code 28731 have an older population?

32% of residents in ZIP code 28731 are 65 or older, above the national average of ~17%.

Does ZIP code 28731 have a large retiree population?

47% of households in ZIP code 28731 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 28731 mostly owner-occupied?

81% of occupied units in ZIP code 28731 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 28731?

15% of residents in ZIP code 28731 live below the poverty line, above the national average.

What timezone is ZIP code 28731 in?

ZIP code 28731 observes the EST timezone.