ZIP Code 28773 — Saluda city, NC Demographics & Data

ZIP code 28773 covers Saluda, NC in Polk County with a population of about 3,198.

At a glance, the area shows median age of 54.5 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 28773 is about $80,625 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 6.4%; 37.2% of adults with a bachelor’s degree or higher (about 3.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 11.3% of workers reporting work-from-home (about 3.9 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 $359,900 — about 3% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,093 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 87.5% (about 22.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28773 in Saluda, NC, a household would need roughly $99,000 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 $2,312. That is about 23% above the local median household income ($80,625), 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 Saluda city, NC as Very Low (composite score 36.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (60.9) and flood (46.7). 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 Saluda city, NC show little to no average snow and around 64.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 133 for ZIP 28773 (Saluda city, 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.