Estimated median household income in 2007: $47,766
| This zip code: | $47,766 | | North Carolina: | $44,670 |
Nearest zip codes: 28726, 28784, 28773, 28792, 28790, 28739.
Housing units in zip code 28731 with a mortgage: 860 (102 second mortgage, 175 home equity loan, 4 both second mortgage and home equity loan)
Houses without a mortgage: 583
Median monthly owner costs for units with a mortgage: $1,162
Median monthly owner costs for units without a mortgage: $328
Residents with income below the poverty level in 2007:
| This zip code: | 7.8% | | Whole state: | 14.3% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 2.3% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 5.8 | | State: | 5.9 |
Median number of rooms in apartments:
| Here: | 4.6 | | State: | 4.3 |
Year house built: |
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- 1999 to March 2000: 189
- 1995 to 1998: 589
- 1990 to 1994: 556
- 1980 to 1989: 678
- 1970 to 1979: 522
- 1960 to 1969: 300
- 1950 to 1959: 195
- 1940 to 1949: 120
- 1939 or earlier: 158
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Bedrooms in owner-occupied houses in Flat Rock, NC (28731): |
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- no bedroom: 5
- 1 bedrooms: 91
- 2 bedrooms: 614
- 3 bedrooms: 1,207
- 4 bedrooms: 261
- 5 or more bedrooms: 64
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 6
- 1 bedrooms: 43
- 2 bedrooms: 204
- 3 bedrooms: 128
- 4 bedrooms: 12
- 5 or more bedrooms: 0
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Vehicles available in 28731 zip code in owner-occupied houses/condos: |
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- no vehicle: 35
- 1 vehicle: 569
- 2 vehicles: 1,086
- 3 vehicles: 412
- 4 vehicles: 87
- 5 or more vehicles: 53
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 19
- 1 vehicle: 217
- 2 vehicles: 126
- 3 vehicles: 31
- 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 28731:
- Less than $10,000: 39
- $10,000 to $14,999: 19
- $15,000 to $19,999: 14
- $20,000 to $24,999: 24
- $25,000 to $29,999: 36
- $30,000 to $34,999: 57
- $35,000 to $39,999: 56
- $40,000 to $49,999: 86
- $50,000 to $59,999: 33
- $60,000 to $69,999: 59
- $70,000 to $79,999: 91
- $80,000 to $89,999: 134
- $90,000 to $99,999: 45
- $100,000 to $124,999: 146
- $125,000 to $149,999: 227
- $150,000 to $174,999: 154
- $175,000 to $199,999: 145
- $200,000 to $249,999: 256
- $250,000 to $299,999: 186
- $300,000 to $399,999: 224
- $400,000 to $499,999: 157
- $500,000 to $749,999: 250
- $750,000 to $999,999: 45
- $1,000,000 or more: 47
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Rent paid by renters in 2007 in zip code 28731:
- $150 to $199: 4
- $200 to $249: 5
- $250 to $299: 30
- $300 to $349: 39
- $350 to $399: 50
- $400 to $449: 48
- $450 to $499: 29
- $500 to $549: 8
- $600 to $649: 11
- $650 to $699: 22
- $700 to $749: 13
- $750 to $799: 32
- $800 to $899: 12
- $900 to $999: 11
- $1,000 to $1,249: 19
- No cash rent: 60
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Median price asked for vacant for-sale houses and condos in 2007: $304,175.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $235,735
- American Indian or Alaska Native householders: $247,142
- Asian householders: $247,142
- Some other race householders: $171,098
- Hispanic or Latino householders: $119,084
Estimated median house or condo value in 2007: $186,015 (it was $120,000 in 2000)
| 28731: | $186,015 | | North Carolina: | $145,700 |
Lower value quartile - upper value quartile: $243,208 - $545,757
Mean price in 2007:
Detached houses: $340,693| Here: | $340,693 | | State: | $217,106 |
Townhouses or other attached units: $234,833| Here: | $234,833 | | State: | $176,568 |
In 2-unit structures: $162,091| Here: | $162,091 | | State: | $153,934 |
In 3-to-4-unit structures: $159,178| Here: | $159,178 | | State: | $163,212 |
In 5-or-more-unit structures: $69,970| Here: | $69,970 | | State: | $169,602 |
Mobile homes: $54,552| Here: | $54,552 | | State: | $45,354 |
Occupied boats, RVs, vans, etc.: $5,000| Here: | $5,000 | | State: | $48,806 |
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: 2,110
- One, attached: 58
- Two: 32
- 3 or 4: 32
- 10 to 19: 30
- 20 to 49: 16
- Mobile homes: 973
- Boats, RVs, vans, etc.: 56

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Means of transportation to work
- Drove a car alone: 2,281 (81%)
- Carpooled: 371 (13%)
- Bicycle: 4 (0%)
- Walked: 19 (1%)
- Other means: 11 (0%)
- Worked at home: 128 (5%)
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Travel time to work
- Less than 5 minutes: 101
- 5 to 9 minutes: 212
- 10 to 14 minutes: 636
- 15 to 19 minutes: 629
- 20 to 24 minutes: 297
- 25 to 29 minutes: 143
- 30 to 34 minutes: 299
- 35 to 39 minutes: 119
- 40 to 44 minutes: 52
- 45 to 59 minutes: 140
- 60 to 89 minutes: 45
- 90 or more minutes: 13
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Percentage of zip code residents living and working in this county: 80.8%
Household type by relationship
Households: 6,192
- In family households: 5,402 (1,637 male householders, 256 female householders)
1,727 spouses, 1,487 children (1,378 natural, 17 adopted, 92 stepchildren), 74 grandchildren, 30 brothers or sisters, 39 parents, 70 other relatives, 82 non-relatives
- In nonfamily households: 790 (258 male householders (223 living alone)), 462 female householders (443 living alone)), 70 nonrelatives
- In group quarters: 106 (60 institutionalized population)
Size of family households: 1,103 2-persons, 316 3-persons, 262 4-persons, 147 5-persons, 54 6-persons, 11 7-or-more-persons.
Size of nonfamily households: 666 1-person, 49 2-persons, 5 3-persons.
982 married couples with children.
216 single-parent households (52 men, 164 women).
93.9% of residents of 28731 zip code speak English at home.
3.8% of residents speak Spanish at home (35% very well, 14% well, 33% not well, 18% not at all).
1.3% of residents speak other Indo-European language at home (100% very well).
0.7% of residents speak Asian or Pacific Island language at home (41% very well, 48% well, 11% not at all).
0.3% of residents speak other language at home (100% very well).
Foreign born population: 277 (4.4%)
(29.6% of them are naturalized citizens)
| This zip code: | 4.4% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Mexico (42%)
- Korea (12%)
- United Kingdom (7%)
- Canada (5%)
- El Salvador (5%)
- Venezuela (4%)
- Japan (4%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 112
- 1990 to 1994: 57
- 1985 to 1989: 38
- 1980 to 1984: 13
- 1975 to 1979: 7
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 50
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White population: 6,176
Black population: 38
American Indian population: 13
Asian population: 27
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 65
Two or more races population: 42

First ancestries reported:
|  United States or American: 995 |
|  English: 729 |
|  Other groups: 614 |
|  German: 535 |
|  Irish: 447 |
|  Scotch-Irish: 224 |
|  Scottish: 166 |
|  French (except Basque): 141 |
|  Italian: 91 |
|  Polish: 74 |
|  Norwegian: 50 |
|  Swedish: 48 |
|  British: 46 |
|  European: 40 |
|  Dutch: 32 |
|  Welsh: 28 |
|  Portuguese: 16 |
|  Swiss: 16 |
|  Greek: 13 |
|  Danish: 11 |
|  Austrian: 11 |
|  Scandinavian: 8 |
|  Russian: 7 |
|  Celtic: 6 |
|  Czech: 5 |
|  Croatian: 4 |
|  Hungarian: 4 |
|  Lithuanian: 4 |
|  Estonian: 3 |
|  Czechoslovakian: 3 |

Facitilies with environmental interests located in this zip code:
- CARL SANDBURG HOME NHS (1928 LITTLE RIVER ROAD in FLAT ROCK, NC)
STATE MASTER (North Carolina facility info) - UNDERGROUND STORAGE TANK PROGRAM
(Resource Conservation and Recovery Act (tracking hazardous waste))
Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS
Alternative names: CARL SANDBURGS (HOME-HISTORICAL), NATIONAL PARK SERVICE
- ANDY PETREE RACING INC (1100 UPWARD RD in FLAT ROCK, NC)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
(Resource Conservation and Recovery Act (tracking hazardous waste))
- BLUE RIDGE COMMUNITY COLLEGE (180 WEST CAMPUS DR in FLAT ROCK, NC)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: STATE OF N.C. (CONTACT/OPERATOR)
Median worth of mobile homes: $63,357
Housing units lacking complete plumbing facilities: 1%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Electricity (47%)
- Utility gas (24%)
- Fuel oil, kerosene, etc. (14%)
- Bottled, tank, or LP gas (11%)
- Wood (5%)
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Place of birth for U.S.-born residents:
- This state: 3157
- Northeast: 692
- Midwest: 766
- South: 1108
- West: 249
51% of the 28731 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 46% lived in this county.
Out of people who lived in different counties, 40% lived in North Carolina.
Population in 1990: 4,240. Population change in the 1990s: +2,121 (+50.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 113
| Here: | 19.9% | | North Carolina: | 8.2% |
Students in private schools in grades 9 to 12 (high school): 50
| Here: | 19.6% | | North Carolina: | 6.9% |
Students in private undergraduate colleges: 21
| Here: | 12.1% | | 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:
- Accommodation and Food Services: Full-Service Restaurants (100-249 employees: 1 establishment, 20-49 employees: 1 establishment, 10-19 employees: 3 establishments, 5-9 employees: 1 establishment)
- Construction: Electrical Contractors (20-49: 2, 10-19: 2, 5-9: 1, 1-4: 2)
- Accommodation and Food Services: Bed-and-Breakfast Inns (50-99: 1, 20-49: 1)
- Arts, Entertainment, and Recreation: Golf Courses and Country Clubs (50-99: 1, 1-4: 1)
- Accommodation and Food Services: Limited-Service Restaurants (50-99: 1)
- Wholesale Trade: Motor Vehicle Supplies and New Parts Merchant Wholesalers (50-99: 1)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (20-49: 1, 5-9: 3, 1-4: 2)
- Construction: New Single-Family Housing Construction (except Operative Builders) (20-49: 1, 5-9: 3, 1-4: 2)
- Other Services (except Public Administration): Religious Organizations (20-49: 1, 5-9: 2, 1-4: 5)
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.)
People in group quarters
- 59 people in nursing homes
- 46 people in other noninstitutional group quarters
- 8 people in hospitals/wards and hospices for chronically ill
- 8 people in hospices or homes for chronically ill
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 10 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 | 22 | $137,140 | 315 | $193,399 | 346 | $187,796 | 29 | $93,942 | 113 | $205,287 | 70 | $93,449 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 34 | $195,849 | 56 | $162,151 | 9 | $97,518 | 11 | $174,262 | 5 | $60,958 |
| APPLICATIONS DENIED | 4 | $117,758 | 55 | $185,446 | 172 | $149,607 | 22 | $49,755 | 15 | $179,368 | 36 | $81,621 |
| APPLICATIONS WITHDRAWN | 2 | $118,260 | 37 | $174,747 | 77 | $167,498 | 3 | $79,757 | 12 | $279,666 | 9 | $88,581 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 16 | $301,213 | 30 | $212,318 | 0 | $0 | 3 | $370,210 | 1 | $105,930 |
Aggregated Statistics For Year 2006 (Based on 10 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 | 15 | $114,727 | 350 | $176,934 | 273 | $150,536 | 40 | $91,422 | 112 | $200,174 | 52 | $76,417 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $105,947 | 31 | $158,865 | 46 | $183,787 | 9 | $56,868 | 9 | $211,972 | 18 | $74,922 |
| APPLICATIONS DENIED | 4 | $86,185 | 99 | $106,551 | 169 | $193,325 | 23 | $243,933 | 15 | $236,331 | 60 | $68,391 |
| APPLICATIONS WITHDRAWN | 3 | $96,177 | 27 | $152,825 | 65 | $131,382 | 6 | $155,190 | 5 | $314,460 | 9 | $88,638 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 9 | $217,948 | 18 | $164,674 | 0 | $0 | 3 | $190,590 | 1 | $77,630 |
Aggregated Statistics For Year 2005 (Based on 10 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 | 12 | $92,478 | 389 | $183,424 | 330 | $171,939 | 27 | $57,592 | 3 | $201,823 | 101 | $230,189 | 72 | $67,134 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $124,750 | 45 | $113,775 | 45 | $122,737 | 8 | $36,041 | 0 | $0 | 5 | $159,706 | 25 | $56,131 |
| APPLICATIONS DENIED | 10 | $86,724 | 95 | $84,374 | 168 | $163,142 | 22 | $34,295 | 0 | $0 | 16 | $132,056 | 94 | $63,864 |
| APPLICATIONS WITHDRAWN | 1 | $143,010 | 44 | $156,157 | 94 | $140,928 | 5 | $162,192 | 0 | $0 | 10 | $170,834 | 13 | $91,005 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 18 | $126,108 | 35 | $143,065 | 2 | $32,100 | 0 | $0 | 2 | $94,280 | 2 | $84,600 |
Aggregated Statistics For Year 2004 (Based on 10 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 | 16 | $109,123 | 306 | $148,183 | 347 | $145,902 | 18 | $81,832 | 69 | $169,586 | 72 | $65,780 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $64,420 | 45 | $90,319 | 59 | $154,906 | 2 | $81,095 | 8 | $165,890 | 37 | $55,473 |
| APPLICATIONS DENIED | 4 | $92,403 | 108 | $83,922 | 149 | $120,982 | 26 | $53,104 | 18 | $170,878 | 84 | $57,323 |
| APPLICATIONS WITHDRAWN | 1 | $141,100 | 29 | $151,885 | 88 | $151,498 | 3 | $21,710 | 7 | $89,430 | 10 | $86,328 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $73,440 | 10 | $218,780 | 37 | $139,120 | 3 | $62,020 | 3 | $319,763 | 4 | $92,000 |
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 10 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 | 69 | $172,399 | 26 | $190,575 | 15 | $201,282 | 6 | $90,647 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $142,216 | 5 | $375,310 | 2 | $356,605 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $147,064 | 0 | $0 | 2 | $93,195 | 1 | $51,270 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $356,605 | 0 | $0 | 2 | $373,915 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 10 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 | 40 | $161,737 | 19 | $166,291 | 6 | $133,660 | 2 | $86,925 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $124,500 | 5 | $169,408 | 1 | $168,260 | 1 | $65,710 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $199,060 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $245,070 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 10 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 | 49 | $157,009 | 28 | $181,585 | 6 | $169,227 | 7 | $91,167 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $199,307 | 8 | $147,491 | 2 | $62,255 | 2 | $107,615 |
| APPLICATIONS DENIED | 2 | $129,760 | 1 | $110,680 | 1 | $161,340 | 2 | $129,760 |
| APPLICATIONS WITHDRAWN | 1 | $133,350 | 1 | $178,330 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $63,780 | 0 | $0 | 1 | $63,780 |
Aggregated Statistics For Year 2004 (Based on 10 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 | 54 | $132,865 | 15 | $139,042 | 6 | $136,702 | 7 | $89,091 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 10 | $181,964 | 7 | $145,019 | 0 | $0 | 1 | $61,200 |
| APPLICATIONS DENIED | 3 | $62,153 | 0 | $0 | 1 | $49,070 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $65,650 | 2 | $52,375 | 1 | $49,070 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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