ZIP Code 28742 — Horse Shoe CDP, NC Demographics & Data

ZIP code 28742 covers Horse Shoe, NC in Henderson County with a population of about 3,026.

At a glance, the area shows median age of 48.6 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.

Median household income in ZIP 28742 is about $97,292 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.7%; unemployment rate near 8.0%; 42.5% of adults with a bachelor’s degree or higher (about 8.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Manufacturing; about 20.8% of workers reporting work-from-home (about 5.6 points above 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 $330,200 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $677 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 86.6% (about 21.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28742 in Horse Shoe, NC, a household would need roughly $91,000 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 $2,121. That is roughly in line with the local median household income ($97,292). 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 Horse Shoe CDP, 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 Horse Shoe CDP, NC show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 126 for ZIP 28742 (Horse Shoe CDP, 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.