Estimated median household income in 2007: $33,239
| This zip code: | $33,239 | | North Carolina: | $44,670 |
Nearest zip codes: 28731, 28784, 28792, 28773, 28739, 28790.
Housing units in zip code 28726 with a mortgage: 306 (6 second mortgage, 6 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 262
Median monthly owner costs for units with a mortgage: $893
Median monthly owner costs for units without a mortgage: $260
Residents with income below the poverty level in 2007:
| This zip code: | 23.6% | | Whole state: | 14.3% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 6.7% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 5.0 | | State: | 5.9 |
Median number of rooms in apartments:
| Here: | 4.5 | | State: | 4.3 |
Year house built: |
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- 1999 to March 2000: 41
- 1995 to 1998: 184
- 1990 to 1994: 130
- 1980 to 1989: 226
- 1970 to 1979: 183
- 1960 to 1969: 267
- 1950 to 1959: 204
- 1940 to 1949: 93
- 1939 or earlier: 93
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Bedrooms in owner-occupied houses in East Flat Rock, NC (28726): |
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- no bedroom: 0
- 1 bedrooms: 38
- 2 bedrooms: 352
- 3 bedrooms: 501
- 4 bedrooms: 41
- 5 or more bedrooms: 0
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 79
- 2 bedrooms: 139
- 3 bedrooms: 130
- 4 bedrooms: 8
- 5 or more bedrooms: 0
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Vehicles available in 28726 zip code in owner-occupied houses/condos: |
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- no vehicle: 46
- 1 vehicle: 364
- 2 vehicles: 351
- 3 vehicles: 108
- 4 vehicles: 6
- 5 or more vehicles: 57
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 35
- 1 vehicle: 187
- 2 vehicles: 104
- 3 vehicles: 30
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 28726:
- Less than $10,000: 26
- $10,000 to $14,999: 13
- $15,000 to $19,999: 37
- $20,000 to $24,999: 36
- $25,000 to $29,999: 33
- $30,000 to $34,999: 28
- $35,000 to $39,999: 30
- $40,000 to $49,999: 71
- $50,000 to $59,999: 49
- $60,000 to $69,999: 53
- $70,000 to $79,999: 49
- $80,000 to $89,999: 41
- $90,000 to $99,999: 94
- $100,000 to $124,999: 142
- $125,000 to $149,999: 104
- $150,000 to $174,999: 78
- $175,000 to $199,999: 73
- $200,000 to $249,999: 72
- $250,000 to $299,999: 12
- $300,000 to $399,999: 7
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Rent paid by renters in 2007 in zip code 28726:
- $100 to $149: 10
- $150 to $199: 11
- $200 to $249: 17
- $250 to $299: 4
- $300 to $349: 21
- $350 to $399: 64
- $400 to $449: 29
- $450 to $499: 80
- $500 to $549: 8
- $550 to $599: 20
- $650 to $699: 12
- $700 to $749: 13
- $800 to $899: 42
- $900 to $999: 13
- $1,000 to $1,249: 22
- No cash rent: 50
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Median price asked for vacant for-sale houses and condos in 2007: $158,475.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $130,034
- Black or African American householders: $144,483
- Some other race householders: $68,439
- Two or more races householders: $122,734
- Hispanic or Latino householders: $98,248
Estimated median house or condo value in 2007: $91,882 (it was $63,400 in 2000)
| 28726: | $91,882 | | North Carolina: | $145,700 |
Lower value quartile - upper value quartile: $83,302 - $158,873
Mean price in 2007:
Detached houses: $135,209| Here: | $135,209 | | State: | $217,106 |
Townhouses or other attached units: $53,026| Here: | $53,026 | | State: | $176,568 |
Mobile homes: $29,384| Here: | $29,384 | | State: | $45,354 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 833
- One, attached: 11
- Two: 31
- 3 or 4: 27
- 5 to 9: 5
- Mobile homes: 514

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Means of transportation to work
- Drove a car alone: 984 (72%)
- Carpooled: 319 (23%)
- Walked: 20 (1%)
- Other means: 18 (1%)
- Worked at home: 29 (2%)
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Travel time to work
- Less than 5 minutes: 53
- 5 to 9 minutes: 113
- 10 to 14 minutes: 198
- 15 to 19 minutes: 230
- 20 to 24 minutes: 235
- 25 to 29 minutes: 134
- 30 to 34 minutes: 149
- 35 to 39 minutes: 23
- 40 to 44 minutes: 13
- 45 to 59 minutes: 53
- 60 to 89 minutes: 20
- 90 or more minutes: 120
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Percentage of zip code residents living and working in this county: 81.0%
Household type by relationship
Households: 2,982
- In family households: 2,524 (586 male householders, 269 female householders)
606 spouses, 835 children (781 natural, 7 adopted, 47 stepchildren), 60 grandchildren, 46 brothers or sisters, 31 parents, 29 other relatives, 62 non-relatives
- In nonfamily households: 458 (183 male householders (142 living alone)), 225 female householders (225 living alone)), 50 nonrelatives
Size of family households: 379 2-persons, 237 3-persons, 144 4-persons, 68 5-persons, 27 6-persons.
Size of nonfamily households: 367 1-person, 41 2-persons.
460 married couples with children.
203 single-parent households (47 men, 156 women).
86.3% of residents of 28726 zip code speak English at home.
11.9% of residents speak Spanish at home (15% very well, 22% well, 47% not well, 15% not at all).
1.6% of residents speak other Indo-European language at home (14% very well, 70% well, 16% not well).
0.2% of residents speak Asian or Pacific Island language at home (100% very well).
Foreign born population: 335 (11.1%)
(1.8% of them are naturalized citizens)
| This zip code: | 11.1% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Mexico (85%)
- South Africa (13%)
- Korea (2%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 187
- 1990 to 1994: 71
- 1985 to 1989: 11
- 1980 to 1984: 42
- 1975 to 1979: 21
- 1970 to 1974: 0
- 1970 to 1974: 3
- 1965 to 1969: 0
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White population: 2,632
Black population: 105
American Indian population: 12
Asian population: 9
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 207
Two or more races population: 56

First ancestries reported:
|  Other groups: 602 |
|  United States or American: 511 |
|  Irish: 238 |
|  German: 192 |
|  English: 124 |
|  Scotch-Irish: 85 |
|  Dutch: 65 |
|  European: 59 |
|  Scottish: 46 |
|  Subsaharan African:: 38 |
|  South African: 38 |
|  Welsh: 21 |
|  Russian: 16 |
|  Italian: 14 |
|  Polish: 11 |
|  French Canadian: 6 |
|  British: 6 |
|  Norwegian: 5 |
|  Scandinavian: 4 |

Facitilies with environmental interests located in this zip code:
- BTG (2040 SPARTANBURG HWY in EAST FLAT ROCK, NC)
AIR MAJOR (AIRS/AFS)
STATE MASTER (North Carolina facility info) - AIR PROGRAM
Business SIC classification: THREAD MILLS
Median worth of mobile homes: $40,751
Housing units lacking complete plumbing facilities: 3%
Housing units lacking complete kitchen facilities: 3%
Most commonly used house heating fuel: |
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- Electricity (42%)
- Fuel oil, kerosene, etc. (30%)
- Utility gas (18%)
- Bottled, tank, or LP gas (8%)
- Wood (1%)
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Place of birth for U.S.-born residents:
- This state: 1850
- Northeast: 186
- Midwest: 128
- South: 398
- West: 72
56% of the 28726 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 62% lived in this county.
Out of people who lived in different counties, 39% lived in North Carolina.
Population in 1990: 3,770. Population change in the 1990s: -749 (-19.9%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 0
| Here: | 0.0% | | North Carolina: | 8.2% |
Students in private schools in grades 9 to 12 (high school): 7
| Here: | 4.3% | | North Carolina: | 6.9% |
Students in private undergraduate colleges: 0
| Here: | 0.0% | | North Carolina: | 20.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: Vocational Rehabilitation Services (100-249 employees: 1 establishment)
- Other Services (except Public Administration): Religious Organizations (20-49: 1, 1-4: 3)
- Construction: Roofing Contractors (20-49: 1)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (20-49: 1)
- Health Care and Social Assistance: Child Day Care Services (10-19: 2, 1-4: 1)
- Other Services (except Public Administration): Automotive Body, Paint, and Interior Repair and Maintenance (10-19: 1, 1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $212,640 | 44 | $162,244 | 55 | $131,929 | 6 | $77,095 | 21 | $170,890 | 12 | $66,278 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $133,017 | 10 | $104,665 | 2 | $68,350 | 3 | $96,657 | 1 | $98,040 |
| APPLICATIONS DENIED | 0 | $0 | 11 | $119,000 | 35 | $111,194 | 4 | $82,848 | 3 | $153,270 | 6 | $64,322 |
| APPLICATIONS WITHDRAWN | 1 | $95,970 | 6 | $153,960 | 12 | $128,817 | 0 | $0 | 3 | $144,753 | 1 | $60,060 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $192,620 | 5 | $153,130 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $102,640 | 46 | $127,874 | 43 | $120,451 | 8 | $93,549 | 17 | $151,116 | 7 | $78,509 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 6 | $99,533 | 3 | $101,490 | 1 | $20,710 | 1 | $280,300 | 4 | $76,808 |
| APPLICATIONS DENIED | 1 | $70,420 | 14 | $92,908 | 34 | $120,292 | 3 | $67,200 | 1 | $73,870 | 11 | $66,969 |
| APPLICATIONS WITHDRAWN | 1 | $97,350 | 4 | $100,453 | 11 | $114,732 | 0 | $0 | 0 | $0 | 1 | $44,880 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $48,330 | 3 | $118,290 | 0 | $0 | 1 | $110,460 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 0 | $0 | 52 | $99,909 | 56 | $114,138 | 5 | $26,236 | 1 | $58,680 | 11 | $142,725 | 13 | $55,922 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 11 | $81,530 | 6 | $90,673 | 1 | $75,250 | 0 | $0 | 1 | $40,730 | 4 | $44,185 |
| APPLICATIONS DENIED | 1 | $76,630 | 23 | $64,027 | 21 | $96,886 | 3 | $28,537 | 0 | $0 | 3 | $66,510 | 16 | $53,031 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 8 | $130,485 | 16 | $105,588 | 0 | $0 | 0 | $0 | 1 | $23,470 | 1 | $138,080 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 7 | $77,423 | 8 | $90,960 | 0 | $0 | 0 | $0 | 1 | $18,640 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $119,785 | 37 | $95,312 | 48 | $112,578 | 3 | $84,000 | 10 | $135,664 | 11 | $53,914 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 10 | $64,276 | 8 | $92,859 | 0 | $0 | 2 | $47,985 | 9 | $60,602 |
| APPLICATIONS DENIED | 1 | $33,830 | 22 | $62,889 | 23 | $86,150 | 7 | $47,637 | 3 | $63,057 | 19 | $53,015 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 5 | $112,398 | 17 | $100,068 | 1 | $35,210 | 1 | $74,560 | 2 | $87,680 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $317,580 | 5 | $79,120 | 0 | $0 | 1 | $241,640 | 0 | $0 |
See detailed HMDA statistics for the following Tracts:
9914.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $166,317 | 6 | $140,727 | 3 | $174,670 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $38,660 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $75,250 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $109,636 | 3 | $141,763 | 1 | $47,640 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $142,220 | 1 | $75,940 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $133,250 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $111,615 | 5 | $126,482 | 1 | $175,360 | 1 | $118,060 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $31,070 | 3 | $110,003 | 1 | $31,070 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $164,320 | 0 | $0 | 1 | $82,160 | 1 | $164,320 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $100,110 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $126,481 | 2 | $126,000 | 2 | $155,340 | 2 | $94,585 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $161,323 | 1 | $224,380 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $59,030 | 0 | $0 | 1 | $31,070 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $31,070 | 0 | $0 | 1 | $31,070 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
See detailed PMIC statistics for the following Tracts:
9914.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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