28732 ZIP Code — Fletcher, NC

Henderson County, North Carolina

ZIP code 28732 is located in Fletcher, North Carolina, within Henderson County. It covers approximately 41.35 square miles and serves a population of 17,705 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28732

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $317,900. Owner-occupancy is high at 82%, well above the national average.

Median household income is $75,881. The poverty rate of 7% is below the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Overall, ZIP code 28732 reflects a community defined by high homeownership and a significant Social Security-dependent population.

17,705

population

41.35

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28732 ZIP code map

Cities in ZIP code 28732

Below are the cities the US Postal Service accepts for ZIP code 28732. Using any city not on this list may result in mail delivery delays.

City	Status
Fletcher	Acceptable
Fletcher	Preferred

Nearby ZIP codes

28704 Arden (5.3 mi) 28803 Asheville (5.6 mi) 28791 Hendersonville (6.7 mi) 28792 Hendersonville (7.4 mi) 28735 Gerton (7.4 mi) 28730 Fairview (7.6 mi) 28801 Asheville (10.1 mi) 28742 Horse Shoe (10.3 mi) 28810 Asheville (10.5 mi) 28806 Asheville (11.1 mi) 28805 Asheville (11.3 mi) 28729 Etowah (11.7 mi)

Demographics updated 05/2026

Population
Total population	17,705
Population density	428 / sq mi
State FIPS	37
County FIPS	089

Geography
Land area	41.35 sq mi
Water area	0.18 sq mi
Latitude	35.4576
Longitude	-82.4825
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	34.3%	42.5%	44.4%
$50k – $100k	35.0%	33.7%	30.6%
$100k – $200k	25.0%	19.3%	19.1%
Over $200k	5.7%	4.6%	6.0%

Demographics & statistics

17,705

Population

428

People per sq mi

43.9

Median age

$75,881

Median household income

$40,017

Per capita income

$317,900

Median home value

$1,143

Median monthly rent

82.4%

Home ownership

7.2%

Poverty rate

2.7%

Unemployment

6,772

Housing units

40.4%

Bachelor's or higher

Age distribution

Male Female

430

Under 5

468

490

5–9

534

465

10–14

507

442

15–19

481

415

20–24

451

761

25–34

829

1,346

35–44

1,465

952

45–54

1,035

715

55–59

779

562

60–64

611

1,287

65–74

1,400

414

75–84

451

199

85+

216

← Male

Female →

Age summary

Group	Count	%
Under 18	3,400	19.2%
18 and over	14,305	80.8%
65 and over	3,967	22.4%
Median age	43.9 years

Race & ethnicity

White 84.3%

Two or more races 4.2%

Hispanic or Latino 3.9%

Black or African American 3.5%

Other race 2.3%

Asian 1.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	15,528	84.3%
Two or more races	773	4.2%
Hispanic or Latino	715	3.9%
Black or African American	651	3.5%
Other race	420	2.3%
Asian	322	1.7%
American Indian / Alaska Native	11	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.3%	42.5%	44.4%
$50k – $100k	35.0%	33.7%	30.6%
$100k – $200k	25.0%	19.3%	19.1%
Over $200k	5.7%	4.6%	6.0%

Under $10k 3.1%

$10k–$15k 3.5%

$15k–$25k 6.0%

$25k–$35k 6.2%

$35k–$50k 10.5%

$50k–$75k 20.1%

$75k–$100k 15.5%

$100k–$150k 20.5%

$150k–$200k 6.1%

$200k+ 8.4%

Range	% of households
Under $10k	3.1%
$10k–$15k	3.5%
$15k–$25k	6.0%
$25k–$35k	6.2%
$35k–$50k	10.5%
$50k–$75k	20.1%
$75k–$100k	15.5%
$100k–$150k	20.5%
$150k–$200k	6.1%
$200k+	8.4%
Median income	$75,881

Housing

Home values

Under $50k 4.1%

$50k–$100k 3.6%

$100k–$150k 3.7%

$150k–$200k 4.7%

$200k–$300k 28.8%

$300k–$500k 39.6%

$500k–$1M 12.6%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$317,900
Median rent / month	$1,143
Owner occupied	82.4%
Renter occupied	17.6%
Vacant	12.5%
Single-family detached	73.9%
Large apartment buildings	0.5%
Mobile homes	8.8%
Median rooms	6.2
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.4%
2010–2019	12.5%
2000–2009	27.3%
1990–1999	22.1%
1980–1989	15.3%
1970–1979	12.5%
1960–1969	2.8%
1950–1959	1.6%
1940–1949	1.7%
1939 or earlier	3.7%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	3.4%
2 bedrooms	20.0%
3 bedrooms	53.6%
4 bedrooms	17.2%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	23.3%
2 vehicles	46.7%
3 or more	27.9%

Heating fuel

Fuel type	%
Utility gas	34.1%
Electricity	55.5%
Propane / LP gas	5.2%
Fuel oil	2.6%
Wood	2.2%
Solar	0.5%

Households & families

Household type	Count	%
Married-couple family	4,300	61.4%
Cohabiting couple	209	3.0%
Male householder, no spouse	855	12.2%
Female householder, no spouse	1,642	23.4%
Households with children under 18	1,623	23.2%
Households with seniors (65+)	2,540	36.3%
Average household size	2.50

Marital status

Status	Male	Female
Never married	22.2%	21.5%
Married	66.0%	58.2%
Separated	1.0%	1.4%
Widowed	1.9%	7.2%
Divorced	9.0%	11.8%

Education

Less than 9th grade 2.6%

Some HS, no diploma 3.0%

HS graduate 23.8%

Some college, no degree 20.9%

Associate's degree 9.2%

Bachelor's degree 28.6%

Graduate / professional 11.8%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	40.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	210	6.0%
Kindergarten	297	8.4%
Elementary school	1,559	44.3%
High school	556	15.8%
College / grad school	896	25.5%

Employment

Industry of employment

Education & healthcare 23.9%

Manufacturing 13.5%

Professional & management 12.4%

Retail trade 9.9%

Arts, food & hospitality 9.9%

Other services 7.2%

Finance & real estate 6.0%

Construction 5.4%

Transportation & utilities 4.6%

Public administration 3.2%

Wholesale trade 1.5%

Information 1.5%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	43.3%
Service	15.4%
Sales & office	23.6%
Natural resources & construction	6.0%
Production & transportation	11.8%

Employment type

Type	%
Private sector	83.3%
Government	8.8%
Self-employed	7.8%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	80.5%
Carpool	6.6%
Public transit	0.0%
Walk	2.3%
Work from home	10.5%
Other means	0.1%
Avg commute (minutes)	20.7

Poverty

All people 7.2%

Under 18 years 2.8%

18 and over 8.3%

Married-couple families 4.3%

Female-led households 3.9%

Income support

Source	% of households
Social Security	37.2%
Retirement income	27.9%
Supplemental Security	2.0%
Cash public assistance	2.2%
Food stamps / SNAP	4.4%

Health indicators

Condition	%
Obesity	32.6%
High blood pressure	29.7%
High cholesterol	33.4%
Diabetes	8.5%
Heart disease	5.7%
Stroke	2.6%
Asthma	8.4%
Arthritis	24.3%
Kidney disease	2.6%
Pulmonary disease	5.7%
Cancer	6.8%

Behavior / access	%
Smoking	15.9%
Binge drinking	16.1%
No physical activity	18.0%
Less than 7 hrs sleep	31.0%
Depression	21.8%
Fair or poor health	10.5%
Poor mental health	13.0%
Poor physical health	8.9%
No health insurance	14.3%
Visited doctor (checkup)	77.4%
Visited dentist	70.2%
Cholesterol screening	91.3%
Teeth loss	9.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,127	7.9%

Disability	%
Any disability	13.2%
Under 18	3.1%
18–64 years	8.6%
65 and over	34.5%

Health insurance coverage

Type	%
Private insurance	77.8%
Public insurance	31.6%
No insurance	5.9%
Uninsured under 19	4.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,807	94.9%
Spanish	510	3.0%
Other Indo-European	146	0.9%
Asian & Pacific Islander	121	0.7%
Other languages	190	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,693	94.3%
Born in same state	16,409	92.7%
Born in different state	9,337	52.7%
Foreign born	284	1.6%
Naturalized citizen	1,012	5.7%
Not a US citizen	657	64.9%

Ancestry

Ancestry	Count	%
French	4,444	25.1%
Italian	2,171	12.3%
Arab	1,530	8.6%
Irish	186	1.1%
English	123	0.7%

Ancestry	Count	%
Polish	67	0.4%
German	41	0.2%
Dutch	20	0.1%
Norwegian	14	0.1%

Technology access

Metric	% of households
Computer access	39.6%
Internet access	92.4%

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

Frequently asked questions about ZIP code 28732

What city is ZIP code 28732 in?

ZIP code 28732 is primarily assigned to Fletcher, North Carolina.

What county is ZIP code 28732 in?

ZIP code 28732 falls within Henderson County, North Carolina.

Is ZIP code 28732 mostly owner-occupied?

82% of occupied units in ZIP code 28732 are owner-occupied, well above the national average.

Does ZIP code 28732 have a large retiree population?

37% of households in ZIP code 28732 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 28732?

The median home value in ZIP code 28732 is $317,900.

What is the population of ZIP code 28732?

ZIP code 28732 has an estimated population of 17,705 residents, with a density of 428 people per square mile.

What timezone is ZIP code 28732 in?

ZIP code 28732 observes the EST timezone.