Estimated zip code population in 2022: 8,691 Zip code population in 2010: 7,778 Zip code population in 2000: 6,361
Houses and condos: 4,530 Renter-occupied apartments: 718
% of renters here:
19%
State:
33%
March 2022 cost of living index in zip code 28731: 91.0 (less than average, U.S. average is 100)
Land area: 27.0 sq. mi. Water area: 0.1 sq. mi.
Population density: 322 people per square mile
(very low).
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
OSM Map
General Map
Google Map
MSN Map
Please wait while loading the map...
Real estate property taxes paid for housing units in 2022:
This zip code:
0.5% ($1,828)
North Carolina:
0.6% ($1,769)
Median real estate property taxes paid for housing units with mortgages in 2022: $1,574 (0.4%) Median real estate property taxes paid for housing units with no mortgage in 2022: $2,192 (0.6%)
Estimated median house/condo value in 2022: $369,355
28731:
$369,355
North Carolina:
$280,600
According to our research of North Carolina and other state lists, there were 9 registered sex offenders living in 28731 zip code as of May 29, 2024. The ratio of all residents to sex offenders in zip code 28731 is 984 to 1. The ratio of registered sex offenders to all residents in this zip code is lower than the state average.
Median resident age:
This zip code:
53.5 years
North Carolina median age:
39.2 years
Average household size:
This zip code:
2.3 people
North Carolina:
2.4 people
Averages for the 2020 tax year for zip code 28731, filed in 2021:
Average Adjusted Gross Income (AGI) in 2020: $79,284 (Individual Income Tax Returns)
Here:
$79,284
State:
$70,020
Salary/wage: $53,468 (reported on 66.4% of returns)
Here:
$53,468
State:
$58,387
(% of AGI for various income ranges: 1157.5% for AGIs below $25k, 3502.3% for AGIs $25k-50k, 5743.9% for AGIs $50k-75k, 7365.4% for AGIs $75k-100k, 12047.2% for AGIs $100k-200k, 52180.0% for AGIs over 200k)
Taxable interest for individuals: $2,634 (reported on 42.3% of returns)
This zip code:
$2,634
North Carolina:
$1,479
(% of AGI for various income ranges: 30.6% for AGIs below $25k, 47.1% for AGIs $25k-50k, 184.7% for AGIs $50k-75k, 196.7% for AGIs $75k-100k, 384.2% for AGIs $100k-200k, 2372.5% for AGIs over 200k)
Ordinary dividends: $13,289 (reported on 30.5% of returns)
Here:
$13,289
State:
$7,888
(% of AGI for various income ranges: 63.8% for AGIs below $25k, 134.8% for AGIs $25k-50k, 341.3% for AGIs $50k-75k, 669.2% for AGIs $75k-100k, 1442.2% for AGIs $100k-200k, 10970.0% for AGIs over 200k)
Net capital gain/loss in AGI: +$22,665 (reported on 28.1% of returns)
Here:
+$22,665
State:
+$23,652
(% of AGI for various income ranges: 11.3% for AGIs below $25k, 51.1% for AGIs $25k-50k, 229.7% for AGIs $50k-75k, 375.4% for AGIs $75k-100k, 1613.1% for AGIs $100k-200k, 26163.8% for AGIs over 200k)
Profit/loss from business: +$18,097 (reported on 17.3% of returns)
Here:
+$18,097
State:
+$11,710
(% of AGI for various income ranges: 206.1% for AGIs below $25k, 220.3% for AGIs $25k-50k, 325.0% for AGIs $50k-75k, 320.0% for AGIs $75k-100k, 929.2% for AGIs $100k-200k, 6847.5% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $33,788 (reported on 18.9% of returns)
28731:
$33,788
North Carolina:
$20,247
(% of AGI for various income ranges: 115.2% for AGIs below $25k, 221.1% for AGIs $25k-50k, 527.1% for AGIs $50k-75k, 1232.5% for AGIs $75k-100k, 2901.9% for AGIs $100k-200k, 13668.8% for AGIs over 200k)
Self-employed (Keogh) retirement plans: $30,767 (reported on 0.7% of returns)
28731:
$30,767
North Carolina:
$26,749
(% of AGI for various income ranges: 256.4% for AGIs $100k-200k)
Total itemized deductions: $36,873 (reported on 10.7% of returns)
Here:
$36,873
State:
$34,549
(% of AGI for various income ranges: 136.5% for AGIs below $25k, 157.1% for AGIs $25k-50k, 510.3% for AGIs $50k-75k, 780.4% for AGIs $75k-100k, 1548.1% for AGIs $100k-200k, 7868.8% for AGIs over 200k)
Charity contributions: $14,826 (reported on 9.2% of returns)
Here:
$14,826
State:
$13,360
(% of AGI for various income ranges: 13.2% for AGIs below $25k, 26.3% for AGIs $25k-50k, 92.4% for AGIs $50k-75k, 235.8% for AGIs $75k-100k, 478.1% for AGIs $100k-200k, 4087.5% for AGIs over 200k)
Taxes paid: $6,973 (reported on 10.7% of returns)
28731:
$6,973
State:
$7,586
(% of AGI for various income ranges: 15.4% for AGIs below $25k, 27.3% for AGIs $25k-50k, 84.5% for AGIs $50k-75k, 179.2% for AGIs $75k-100k, 351.7% for AGIs $100k-200k, 1318.8% for AGIs over 200k)
Earned income credit: $2,065 (reported on 12.1% of returns)
Here:
$2,065
State:
$2,337
(% of AGI for various income ranges: 73.7% for AGIs below $25k, 65.4% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2020 taxes: 92.5%
Here:
93%
State:
93%
(% for various income ranges: 91.1% for AGIs below $25k, 93.7% for AGIs $25k-50k, 91.9% for AGIs $50k-75k, 92.9% for AGIs $75k-100k, 93.6% for AGIs $100k-200k, 92.9% for AGIs over 200k)
Averages for the 2012 tax year for zip code 28731, filed in 2013:
Average Adjusted Gross Income (AGI) in 2012: $64,014 (Individual Income Tax Returns)
Here:
$64,014
State:
$54,937
Salary/wage: $41,813 (reported on 70.0% of returns)
Here:
$41,813
State:
$46,336
(% of AGI for various income ranges: 67.1% for AGIs below $25k, 66.2% for AGIs $25k-50k, 57.9% for AGIs $50k-75k, 53.3% for AGIs $75k-100k, 36.8% for AGIs $100k-200k, 30.4% for AGIs over 200k)
Taxable interest for individuals: $2,548 (reported on 43.7% of returns)
This zip code:
$2,548
North Carolina:
$1,298
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 1.4% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 2.2% for AGIs $100k-200k, 1.8% for AGIs over 200k)
Ordinary dividends: $10,816 (reported on 29.8% of returns)
Here:
$10,816
State:
$6,213
(% of AGI for various income ranges: 2.8% for AGIs below $25k, 2.4% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 4.5% for AGIs $75k-100k, 6.8% for AGIs $100k-200k, 6.4% for AGIs over 200k)
Net capital gain/loss in AGI: +$18,655 (reported on 25.5% of returns)
Here:
+$18,655
State:
+$12,740
(% of AGI for various income ranges: 0.4% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 2.2% for AGIs $100k-200k, 21.7% for AGIs over 200k)
Profit/loss from business: +$13,597 (reported on 17.7% of returns)
Here:
+$13,597
State:
+$10,311
(% of AGI for various income ranges: 8.0% for AGIs below $25k, 4.0% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 3.4% for AGIs $100k-200k, 4.0% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $26,454 (reported on 21.4% of returns)
28731:
$26,454
North Carolina:
$15,575
(% of AGI for various income ranges: 4.6% for AGIs below $25k, 4.5% for AGIs $25k-50k, 5.5% for AGIs $50k-75k, 8.6% for AGIs $75k-100k, 13.1% for AGIs $100k-200k, 10.0% for AGIs over 200k)
Self-employment retirement plans: $29,400 (reported on 0.5% of returns)
28731:
$29,400
North Carolina:
$21,078
Total itemized deductions: $25,611 (22% of AGI, reported on 37.8% of returns)
Here:
$25,611
State:
$23,438
Here:
21.8% of AGI
State:
21.5% of AGI
(% of AGI for various income ranges: 15.2% for AGIs below $25k, 14.5% for AGIs $25k-50k, 14.5% for AGIs $50k-75k, 15.9% for AGIs $75k-100k, 18.0% for AGIs $100k-200k, 13.1% for AGIs over 200k)
Charity contributions: $6,143 (reported on 32.7% of returns)
Here:
$6,143
State:
$4,687
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 2.2% for AGIs $25k-50k, 2.7% for AGIs $50k-75k, 3.2% for AGIs $75k-100k, 3.3% for AGIs $100k-200k, 3.9% for AGIs over 200k)
Taxes paid: $8,605 (reported on 37.5% of returns)
28731:
$8,605
State:
$8,823
(% of AGI for various income ranges: 2.2% for AGIs below $25k, 3.6% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 4.8% for AGIs $75k-100k, 6.2% for AGIs $100k-200k, 6.3% for AGIs over 200k)
Earned income credit: $2,213 (reported on 16.1% of returns)
Here:
$2,213
State:
$2,376
(% of AGI for various income ranges: 5.4% for AGIs below $25k, 1.2% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2012 taxes: 59.2%
Here:
59%
State:
53%
(% for various income ranges: 55.5% for AGIs below $25k, 54.9% for AGIs $25k-50k, 62.7% for AGIs $50k-75k, 63.9% for AGIs $75k-100k, 61.9% for AGIs $100k-200k, 87.5% for AGIs over 200k)
Averages for the 2004 tax year for zip code 28731, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $57,127 (Individual Income Tax Returns)
Here:
$57,127
State:
$45,376
Salary/wage: $39,604 (reported on 73.5% of returns)
Here:
$39,604
State:
$39,442
(% of AGI for various income ranges: 123.1% for AGIs below $10k, 67.7% for AGIs $10k-25k, 68.6% for AGIs $25k-50k, 60.6% for AGIs $50k-75k, 50.3% for AGIs $75k-100k, 39.7% for AGIs over 100k)
Taxable interest for individuals: $3,316 (reported on 51.7% of returns)
This zip code:
$3,316
North Carolina:
$1,515
(% of AGI for various income ranges: 25.0% for AGIs below $10k, 3.1% for AGIs $10k-25k, 2.8% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 3.0% for AGIs over 100k)
Taxable dividends: $9,205 (reported on 33.9% of returns)
Here:
$9,205
State:
$4,016
(% of AGI for various income ranges: 12.2% for AGIs below $10k, 3.0% for AGIs $10k-25k, 2.5% for AGIs $25k-50k, 4.0% for AGIs $50k-75k, 4.2% for AGIs $75k-100k, 7.2% for AGIs over 100k)
Net capital gain/loss: +$15,732 (reported on 28.3% of returns)
Here:
+$15,732
State:
+$11,152
(% of AGI for various income ranges: -5.6% for AGIs below $10k, -0.2% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 2.1% for AGIs $75k-100k, 13.8% for AGIs over 100k)
Profit/loss from business: +$13,940 (reported on 18.2% of returns)
Here:
+$13,940
State:
+$9,490
(% of AGI for various income ranges: 4.0% for AGIs below $10k, 5.8% for AGIs $10k-25k, 4.5% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 5.1% for AGIs over 100k)
Profit/loss from farming: +$2,857 (reported on 1.1% of returns)
Here:
+$2,857
State:
-$3,231
IRA payment deduction: $3,490 (reported on 3.0% of returns)
28731:
$3,490
North Carolina:
$2,967
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.1% for AGIs over 100k)
Self-employed pension: $11,757 (reported on 1.1% of returns)
Here:
$11,757
North Carolina:
$14,754
Total itemized deductions: $23,114 (22% of AGI, reported on 39.1% of returns)
Here:
$23,114
State:
$19,464
Here:
22.3% of AGI
State:
22.7% of AGI
(% of AGI for various income ranges: 33.6% for AGIs below $10k, 15.1% for AGIs $10k-25k, 15.0% for AGIs $25k-50k, 16.6% for AGIs $50k-75k, 17.9% for AGIs $75k-100k, 15.2% for AGIs over 100k)
Charity contributions deductions: $5,688 (5% of AGI, reported on 34.5% of returns)
Here:
$5,688
State:
$4,035
Here:
5.2% of AGI
State:
4.5% of AGI
(% of AGI for various income ranges: 3.1% for AGIs below $10k, 2.0% for AGIs $10k-25k, 2.3% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 4.1% for AGIs over 100k)
Total tax: $10,309 (reported on 75.8% of returns)
28731:
$10,309
State:
$7,257
(% of AGI for various income ranges: 4.7% for AGIs below $10k, 4.1% for AGIs $10k-25k, 6.5% for AGIs $25k-50k, 8.4% for AGIs $50k-75k, 10.1% for AGIs $75k-100k, 19.4% for AGIs over 100k)
Earned income credit: $1,655 (reported on 12.9% of returns)
Here:
$1,655
State:
$1,851
Percentage of individuals using paid preparers for their 2004 taxes: 62.2%
Here:
62%
State:
62%
(% for various income ranges: 54.7% for AGIs below $10k, 63.5% for AGIs $10k-25k, 60.6% for AGIs $25k-50k, 64.4% for AGIs $50k-75k, 57.1% for AGIs $75k-100k, 75.1% for AGIs over 100k)
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
Lesbian couples: 0.0% of all households
Gay men: 0.7% of all households
Household received Food Stamps/SNAP in the past 12 months: 250 Household did not receive Food Stamps/SNAP in the past 12 months: 3,472
Women who had a birth in the past 12 months: 72 (74 now married, 0 unmarried) Women who did not have a birth in the past 12 months: 1,237 (644 now married, 594 unmarried)
Housing units in zip code 28731 with a mortgage: 1,478 (209 second mortgage, 9 home equity loan, 206 both second mortgage and home equity loan) Houses without a mortgage: 109
Median monthly owner costs for units with a mortgage: $1,459 Median monthly owner costs for units without a mortgage: $452
Residents with income below the poverty level in 2022:
This zip code:
14.4%
Whole state:
12.8%
Residents with income below 50% of the poverty level in 2022:
This zip code:
8.8%
Whole state:
6.8%
Median number of rooms in houses and condos:
Here:
6.5
State:
6.4
Median number of rooms in apartments:
Here:
4.9
State:
4.4
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 28731: Bonclarken Assembly Grounds (A), Mud Creek Assembly Grounds (B), Hendersonville Fireman Training Center (C), Kings Mountain Camp (D), Our Lady of the Hills Camp (E), Flat Rock Playhouse (F), Tracy Grove Community Center (G). Display/hide their locations on the map
Churches in zip code 28731 include: Tracy Grove Church (A), Bethel Church (B), Oak Grove Church (C), Saint John Church (D), Saint Johns Church (E). Display/hide their locations on the map
Reservoirs: Bonclarken Lake (A), Kenmure Pond (B), Side Lake (C), Front Lake (D), Lake Bonclarken (E), Jordans Lake (F), Larry Ball Lake (G), Lake Curtis (H). Display/hide their locations on the map
Streams, rivers, and creeks: Laurel Branch (A), Beck Creek (B), Tumblebug Creek (C), Mill Creek (D), Little Hungry River (E), Laurel Creek (F), Jones Branch (G), Hill Branch (H). Display/hide their locations on the map
In group quarters: 205 (-1 institutionalized population)
Size of family households: 1,566 2-persons, 498 3-persons, 326 4-persons, 140 5-persons, 43 7-or-more-persons
Size of nonfamily households: 984 1-person, 191 2-persons, 7 3-persons
763 married couples with children.
326 single-parent households (29 men, 297 women).
91.5% of residents of 28731 zip code speak English at home.
8.0% of residents speak Spanish at home (54% very well, 11% well, 20% not well, 15% not at all).
0.7% of residents speak other Indo-European language at home (100% very well).
0.2% of residents speak Asian or Pacific Island language at home (100% very well).
0.4% of residents speak other language at home (100% very well).
Foreign born population: 513 (5.9%) (39.2% of them are naturalized citizens)
This zip code:
5.9%
Whole state:
8.6%
70%Honduras
3%France
3%Belgium
3%Syria
3%Sweden
3%United Kingdom, excluding England and Scotland
2%Liberia
13%English
12%American
9%Irish
6%German
5%Scotch-Irish
4%Italian
3%Welsh
Year of entry for the foreign-born population
1072010 or later
2592000 to 2009
151990 to 1999
376Before 1990
Facilities with environmental interests located in this zip code:
CARL SANDBURG HOME NHS (1928 LITTLE RIVER ROAD in FLAT ROCK, NC)
STATE MASTER (North Carolina facility info) - UNDERGROUND STORAGE TANK PROGRAM (Resource Conservation and Recovery Act (tracking hazardous waste)) Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS Alternative names: CARL SANDBURGS (HOME-HISTORICAL), NATIONAL PARK SERVICE
ANDY PETREE RACING INC (1100 UPWARD RD in FLAT ROCK, NC)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification (Resource Conservation and Recovery Act (tracking hazardous waste))
BLUE RIDGE COMMUNITY COLLEGE (180 WEST CAMPUS DR in FLAT ROCK, NC)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) Organizations: STATE OF N.C. (CONTACT/OPERATOR)
Housing units lacking complete plumbing facilities: 1.1% Housing units lacking complete kitchen facilities: 0.8%
53.3%Electricity
30.2%Utility gas
7.3%Bottled, tank, or LP gas
4.9%Wood
3.6%Fuel oil, kerosene, etc.
0.8%No fuel used
Population in 1990: 4,240. Population change in the 1990s: +2,121 (+50.0%).
Place of birth for U.S.-born residents:
This state: 4,090
Northeast: 993
Midwest: 756
South: 1,807
West: 289
51% of the 28731 zip code residents lived in the same house 5 years ago. Out of people who lived in different houses, 46% lived in this county. Out of people who lived in different counties, 50% lived in North Carolina.
86% of the 28731 zip code residents lived in the same house 1 year ago. Out of people who lived in different houses, 37% moved from this county. Out of people who lived in different houses, 26% moved from different county within same state. Out of people who lived in different houses, 36% moved from different state. Out of people who lived in different houses, 0% moved from abroad.
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 25
Here:
4.0%
North Carolina:
13.8%
Students in private schools in grades 9 to 12 (high school): 27
Here:
13.7%
North Carolina:
11.9%
Students in private undergraduate colleges: 73
Here:
26.5%
North Carolina:
19.3%
Occupation by median earnings in the past 12 months ($)
103,728Life, physical, and social science occupations
100,606Computer and mathematical occupations
76,025Management occupations
56,324Transportation occupations
51,519Health technologists and technicians
49,468Installation, maintenance, and repair occupations
Top industries in this zip code by the number of employees in 2005:
2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents
According to the data from the years 2002 - 2018 the average number of fires per year is 17. The highest number of fires - 36 took place in 2018, and the least - 1 in 2002. The data has a growing trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (54.1%), and Outside Fires (23.3%).
Fire incident types reported to NFIRS in Zip Code 28731