Residential delivery area · North Carolina
ZIP Code 28731: Flat Rock, NC
ZIP code 28731 uses the postal name Flat Rock, North Carolina and lies mostly in Henderson County (81% of its land) with the rest in Polk County (Census 2020 ZIP-county file). About 8,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $66,309 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Flat Rock (15%) and Dana (15%), and 4% in smaller places; 66% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Flat Rock · its only residential ZIP
- County
- Henderson County (81%); Polk County (19%)
- Census places
- Flat Rock (15%); Dana (15%) census-designated place
- Neighborhoods
- Butt Mountain, Cinnimon Woods, Claremont, Kingswood GeoNames
- Metro area
- Asheville, NC
- House district
- NC-11 119th Congress
- State
- North Carolina
- Time zone
- Eastern
- Land area
- 33.1 sq mi · 262 people per sq mi
Where is ZIP code 28731?
28731 centers on 35.294°, -82.380° and covers 33.1 square miles of land plus 0.1 of water. It borders 6 ZIP codes: 28726, 28773, 28792, 28739, 28790, 28756.
The map draws ZIP code areas only. For the streets inside 28731, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 28731 compare with the rest of Henderson County?
| Measure | 28731 | In Henderson County | In NC |
|---|---|---|---|
| People (ACS 2020-2024) | 8,672 | 6th of 16 | 332nd of 853 |
| Median household income | $66k | 7th of 9 | 267th of 528 |
| Median home value | $402k | 4th of 11 | 94th of 572 |
Its median household income is higher than in 41% of U.S. residential ZIP codes, and it is denser than 66% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 28731?
The 2020 Census counted 8,806 people in 28731; the ACS, which samples households over 2020-2024, estimates 8,672. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 8,672±1,026 (90% margin)
- 2020 Census count
- 8,806
- Households
- 3,783
- Median age
- 54.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 28731?
Of the 8,672 people the ACS estimates in 28731, 14.9% are under 18 and 34.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (83.6%), then Hispanic or Latino (11.6%).
- Under 1814.9%
- 18 to 6450.8%
- 65 and older34.4%
- White, not Hispanic83.6%
- Hispanic or Latino11.6%
- Other or two or more3.0%
- Black, not Hispanic1.4%
- Asian, not Hispanic0.4%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 28731 earn?
Median household income is $66,309 (ACS 2020-2024), the 7th highest of the 9 ranked ZIP codes in Henderson County.
- Median household income
- $66,309±$11,804
- Income per person
- $46,206
- Below the poverty line
- 14.0%
- Unemployed (of the labor force)
- 6.1%
- Adults 25+ with a bachelor's degree
- 41.1%
- Adjusted gross income per tax return, 2022
- $87,9244,670 returns; wages 44% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 28731?
FHFA's house price index for 28731, built from repeat sales and appraisals of the same homes, rose 122% from 2015 to 2025 and rose 69% from 2020 to 2025, and moved −2.2% in 2025.
- Median home value (owners' estimate)
- $402,300
- Median gross rent
- $1,005
- Homes owned by their occupants
- 85.6%
- Housing units
- 4,495
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 28731?
205 business establishments had a location in this ZIP code in 2023, 24 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction38
- Other services (except public administration)26
- Wholesale trade23
- Accommodation and food services23
- Retail trade18
- Administrative and support and waste management and remediation services16
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 28731?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 28726 | East Flat Rock | 4,363 | $54k | 2.2 mi |
| 28773 | Saluda | 3,441 | $71k | 5.2 mi |
| 28792 | Hendersonville | 36,645 | $56k | 7.0 mi |
| 28739 | Hendersonville | 20,843 | $74k | 8.5 mi |
| 28790 | Zirconia | 3,241 | $97k | 9.2 mi |
| 28756 | Mill Spring | 4,706 | $64k | 10.6 mi |
| 28791 | Hendersonville | 15,108 | $79k | 8.4 mi (near) |
| 28758 | Mountain Home | 41 | – | 8.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.