ZIP Code 28160 — Spindale town, NC Demographics & Data

ZIP code 28160 covers Spindale, NC in Rutherford County with a population of about 3,825.

At a glance, the area shows median age of 46.6 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-14; the GREENVLL - SPART - ASHEVLL - AND media market.

Spindale, NC sits in a university / college context (near isothermal community college (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 28160 is about $38,625 — about 49% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 12.8%; 14.9% of adults with a bachelor’s degree or higher (about 18.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 9.2% of workers reporting work-from-home (about 6.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $121,300 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $545 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 47.8% (about 17.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28160 in Spindale, NC, a household would need roughly $33,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $779. That sits below the local median household income ($38,625), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Spindale town, NC as Relatively Low (composite score 72.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (79.2) and hurricane (66.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Spindale town, NC show little to no average snow and around 52.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 159 for ZIP 28160 (Spindale town, NC) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.