ZIP Code 28743 — Hot Springs town, NC Demographics & Data

ZIP code 28743 covers Hot Springs, NC in Madison County with a population of about 2,374.

At a glance, the area shows median age of 46.7 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 28743 is about $47,266 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.6%; unemployment rate near 4.6%; 17.1% of adults with a bachelor’s degree or higher (about 16.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Food services, and Healthcare; about 12.2% of workers reporting work-from-home (about 3.0 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 $150,900 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $480 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 77.5% (about 12.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28743 in Hot Springs, NC, a household would need roughly $42,000 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 $969. That sits below the local median household income ($47,266), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Hot Springs town, NC as Very Low (composite score 27.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (62.6) and flood (46.8). 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 Hot Springs town, NC show little to no average snow and around 46.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 99 for ZIP 28743 (Hot Springs town, 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.