ZIP Code 28790 — East Flat Rock CDP, NC Demographics & Data

ZIP code 28790 covers East Flat Rock, NC in Henderson County with a population of about 3,328.

At a glance, the area shows median age of 48.5 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 28790 is about $98,115 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 8.9%; 23.0% of adults with a bachelor’s degree or higher (about 10.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Transportation; about 3.9% of workers reporting work-from-home (about 11.3 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 $412,100 — about 18% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $993 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 93.0% (about 27.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 28790 in East Flat Rock, NC, a household would need roughly $113,000 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 $2,647. That is about 15% above the local median household income ($98,115), 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 East Flat Rock 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 East Flat Rock 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 138 for ZIP 28790 (East Flat Rock 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.