ZIP Code 28731 — Flat Rock village, NC Demographics & Data

ZIP code 28731 covers Flat Rock, NC in Henderson County with a population of about 9,075.

At a glance, the area shows median age of 52.6 versus a U.S. median of about 38.9.

It sits in telephone area code 828; U.S. House district NC-11; the GREENVLL - SPART - ASHEVLL - AND media market.

Flat Rock, NC sits in a university / college context (near blue ridge community college (2.2 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 28731 is about $65,882 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 4.9%; 37.1% of adults with a bachelor’s degree or higher (about 3.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Manufacturing; about 11.7% of workers reporting work-from-home (about 3.5 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 $361,700 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $794 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28731 in Flat Rock, NC, a household would need roughly $100,000 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 $2,323. That is about 52% above the local median household income ($65,882), so the median earner would likely stretch or need a larger down payment. 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 Flat Rock village, NC as Relatively Moderate (composite score 83.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (84.0) and hurricane (70.4). 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 Flat Rock village, NC show little to no average snow and around 59.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 377 for ZIP 28731 (Flat Rock village, 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.