ZIP Code 28739 — Etowah CDP, NC Demographics & Data

ZIP code 28739 covers Etowah, NC in Henderson County with a population of about 20,656.

At a glance, the area shows median age of 54.0 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 28739 is about $70,464 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.4%; unemployment rate near 2.8%; 43.9% of adults with a bachelor’s degree or higher (about 10.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 12.5% of workers reporting work-from-home (about 2.7 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 $358,800 — about 3% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $860 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 78.7% (about 13.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28739 in Etowah, 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 $2,305. That is about 40% above the local median household income ($70,464), 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 Etowah 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 Etowah CDP, NC show little to no average snow and around 65.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 858 for ZIP 28739 (Etowah 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.