28746 ZIP Code — Lake Lure, NC

Rutherford County, North Carolina

ZIP code 28746 is located in Lake Lure, North Carolina, within Rutherford County. It covers approximately 44.93 square miles and serves a population of 2,752 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28746

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 $413,400. Owner-occupancy is high at 85%, well above the national average.

The gap between median ($63,036) and mean household income suggests income inequality — a small number of higher earners pull the average up. 55% 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. An above-average commute of 35 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 47% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 28746 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

2,752

population

44.93

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28746 ZIP code map

Cities in ZIP code 28746

Below are the cities the US Postal Service accepts for ZIP code 28746. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Lure	Preferred

Nearby ZIP codes

28756 Mill Spring (8.6 mi) 28735 Gerton (9.9 mi) 28167 Union Mills (11.4 mi) 28711 Black Mountain (11.4 mi) 28762 Old Fort (11.6 mi) 28139 Rutherfordton (11.8 mi) 28730 Fairview (12.1 mi) 28792 Hendersonville (12.4 mi) 28722 Columbus (14.9 mi) 28160 Spindale (15.8 mi) 28782 Tryon (16 mi) 28773 Saluda (16.4 mi)

Demographics updated 05/2026

Population
Total population	2,752
Population density	61 / sq mi
State FIPS	37
County FIPS	161

Geography
Land area	44.93 sq mi
Water area	1.25 sq mi
Latitude	35.4604
Longitude	-82.1788
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	46.9%	58.1%	44.4%
$50k – $100k	26.3%	28.4%	30.6%
$100k – $200k	14.7%	10.0%	19.1%
Over $200k	12.1%	3.5%	6.0%

Demographics & statistics

2,752

Population

People per sq mi

58.6

Median age

$63,036

Median household income

$51,958

Per capita income

$413,400

Median home value

$1,066

Median monthly rent

84.6%

Home ownership

13.4%

Poverty rate

5.7%

Unemployment

2,941

Housing units

47.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

112

5–9

134

10–14

15–19

20–24

25–34

123

35–44

149

45–54

106

143

55–59

172

154

60–64

185

290

65–74

350

112

75–84

135

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	475	17.3%
18 and over	2,277	82.7%
65 and over	932	33.9%
Median age	58.6 years

Race & ethnicity

White 87.4%

Two or more races 4%

Black or African American 3.7%

Hispanic or Latino 3.2%

Other race 1.1%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	2,485	87.4%
Two or more races	115	4%
Black or African American	106	3.7%
Hispanic or Latino	90	3.2%
Other race	32	1.1%
American Indian / Alaska Native	7	0.2%
Native Hawaiian / Pacific Islander	6	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.9%	58.1%	44.4%
$50k – $100k	26.3%	28.4%	30.6%
$100k – $200k	14.7%	10.0%	19.1%
Over $200k	12.1%	3.5%	6.0%

Under $10k 3.4%

$10k–$15k 2.9%

$15k–$25k 8.5%

$25k–$35k 15.4%

$35k–$50k 9.7%

$50k–$75k 17.9%

$75k–$100k 14.7%

$100k–$150k 9.1%

$150k–$200k 5.2%

$200k+ 13.2%

Range	% of households
Under $10k	3.4%
$10k–$15k	2.9%
$15k–$25k	8.5%
$25k–$35k	15.4%
$35k–$50k	9.7%
$50k–$75k	17.9%
$75k–$100k	14.7%
$100k–$150k	9.1%
$150k–$200k	5.2%
$200k+	13.2%
Median income	$63,036

Housing

Home values

Under $50k 0.6%

$50k–$100k 6.0%

$100k–$150k 4.5%

$150k–$200k 2.7%

$200k–$300k 13.9%

$300k–$500k 34.4%

$500k–$1M 25.7%

$1M+ 12.2%

Housing overview

Metric	Value
Median home value	$413,400
Median rent / month	$1,066
Owner occupied	84.6%
Renter occupied	15.4%
Vacant	58.9%
Single-family detached	76.9%
Large apartment buildings	0.0%
Mobile homes	3.2%
Median rooms	5.7
Avg household size (owned)	2.01

Year built

Era	%
2020 or later	0.8%
2010–2019	7.9%
2000–2009	28.4%
1990–1999	10.6%
1980–1989	18.6%
1970–1979	16.8%
1960–1969	5.6%
1950–1959	6.1%
1940–1949	2.6%
1939 or earlier	2.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	4.1%
2 bedrooms	34.7%
3 bedrooms	40.3%
4 bedrooms	14.6%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	35.7%
2 vehicles	40.1%
3 or more	22.7%

Heating fuel

Fuel type	%
Utility gas	1.5%
Electricity	79.4%
Propane / LP gas	11.2%
Fuel oil	3.3%
Wood	2.6%
No fuel used	1.6%

Households & families

Household type	Count	%
Married-couple family	730	56.6%
Cohabiting couple	21	1.6%
Male householder, no spouse	197	15.3%
Female householder, no spouse	342	26.5%
Households with children under 18	202	15.7%
Households with seniors (65+)	660	51.2%
Average household size	2.13

Marital status

Status	Male	Female
Never married	13.5%	10.0%
Married	69.3%	62.0%
Separated	3.4%	2.5%
Widowed	6.2%	17.8%
Divorced	7.7%	7.8%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.9%

HS graduate 18.9%

Some college, no degree 19.4%

Associate's degree 10.1%

Bachelor's degree 29.6%

Graduate / professional 17.5%

Metric	%
HS diploma or higher	95.5%
Bachelor's or higher	47.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	1.2%
Kindergarten	67	11.4%
Elementary school	333	56.6%
High school	50	8.5%
College / grad school	131	22.3%

Employment

Industry of employment

Education & healthcare 25.0%

Professional & management 13.2%

Finance & real estate 11.0%

Manufacturing 10.6%

Arts, food & hospitality 10.2%

Retail trade 9.4%

Construction 7.1%

Other services 3.6%

Public administration 3.1%

Wholesale trade 2.6%

Information 1.8%

Agriculture & mining 1.3%

Transportation & utilities 1.2%

Occupation

Category	%
Management, business & arts	45.4%
Service	17.1%
Sales & office	19.6%
Natural resources & construction	8.1%
Production & transportation	9.8%

Employment type

Type	%
Private sector	83.1%
Government	10.2%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.2%
Carpool	3.2%
Public transit	0.0%
Walk	3.0%
Work from home	21.5%
Other means	4.2%
Avg commute (minutes)	35.2

Poverty

All people 13.4%

Under 18 years 30.8%

18 and over 10.1%

Married-couple families 5.3%

Female-led households 59.7%

Income support

Source	% of households
Social Security	54.5%
Retirement income	33.6%
Supplemental Security	3.3%
Cash public assistance	1.4%
Food stamps / SNAP	5.9%

Health indicators

Condition	%
Obesity	30.1%
High blood pressure	41.6%
High cholesterol	41.5%
Diabetes	13.2%
Heart disease	9.3%
Stroke	4.1%
Asthma	8.7%
Arthritis	33.4%
Kidney disease	3.9%
Pulmonary disease	8.2%
Cancer	9.8%

Behavior / access	%
Smoking	15.4%
Binge drinking	12.2%
No physical activity	21.4%
Less than 7 hrs sleep	29.7%
Depression	20.8%
Fair or poor health	13.9%
Poor mental health	11.6%
Poor physical health	11.1%
No health insurance	13.1%
Visited doctor (checkup)	82.3%
Visited dentist	67.8%
Cholesterol screening	94.1%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	286	12.6%

Disability	%
Any disability	18.0%
Under 18	4.2%
18–64 years	13.6%
65 and over	31.2%

Health insurance coverage

Type	%
Private insurance	60.1%
Public insurance	55.2%
No insurance	7.2%
Uninsured under 19	0.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,714	98.6%
Spanish	32	1.2%
Other Indo-European	8	0.3%
Asian & Pacific Islander	23	0.8%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,680	97.4%
Born in same state	2,644	96.1%
Born in different state	891	32.4%
Foreign born	36	1.3%
Naturalized citizen	72	2.6%
Not a US citizen	48	66.7%

Ancestry

Ancestry	Count	%
French	526	19.1%
Italian	346	12.6%
Arab	214	7.8%
English	30	1.1%
Dutch	19	0.7%

Ancestry	Count	%
Norwegian	12	0.4%
German	10	0.4%
Irish	8	0.3%
Polish	6	0.2%

Technology access

Metric	% of households
Computer access	46.9%
Internet access	95.7%

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

Frequently asked questions about ZIP code 28746

What city is ZIP code 28746 in?

ZIP code 28746 is primarily assigned to Lake Lure, North Carolina.

What county is ZIP code 28746 in?

ZIP code 28746 falls within Rutherford County, North Carolina.

Does ZIP code 28746 have an older population?

34% of residents in ZIP code 28746 are 65 or older, above the national average of ~17%.

Does ZIP code 28746 have a large retiree population?

55% of households in ZIP code 28746 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 28746 mostly owner-occupied?

85% of occupied units in ZIP code 28746 are owner-occupied, well above the national average.

How educated is the population of ZIP code 28746?

47% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 28746 in?

ZIP code 28746 observes the EST timezone.