ZIP Code 28735 — Gerton CDP, NC Demographics & Data

ZIP code 28735 covers Gerton, NC in Henderson County with a population of about 206.

At a glance, the area shows median age of 58.4 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.

Gerton, NC fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 14.1%; unemployment rate near 0.0%; 32.0% of adults with a bachelor’s degree or higher (about 1.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Professional services, and Public administration; a mean commute of about 78.0 minutes (U.S. average near 26.8).

Median home value is about $349,200 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28735 in Gerton, NC, a household would need roughly $96,000 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 $2,243. 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 Gerton 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 Gerton CDP, NC show little to no average snow and around 53.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 28735 (Gerton 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.