| ZIP Code | 28746 |
|---|---|
| City | Lake Lure |
| State | North Carolina (NC) |
| County | Rutherford County |
| Area Code | 828 |
| Elevation | 1,268 ft |
| Latitude | 35.477191 |
|---|---|
| Longitude | -82.161693 |
| Timezone | New York (DST) |
| FIPS | 37161 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 60.5 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.00 |
| Below Poverty | 14.1% ▲ 41% above avg |
| College Grads | 57.9% ▲ 49% above avg |
| Unemployment | 5.0% ≈ Avg |
| No HS Diploma | 17 (0.8%) |
| HS Graduate | 352 (15.7%) |
| Some College | 264 (11.7%) |
| Associates | 314 (14%) |
| Bachelors | 253 (11.3%) |
| Graduate Degree | 1,047 (46.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $65,703 ▼ 14% below avg ↑ 13% since 2019 |
|---|---|
| Median Home Value | $433,100 ▲ 55% above avg ↑ 51% since 2019 |
| Home/Income Ratio | 6.6x (nat avg ~3.5x) |
| Median Rent | $983/mo ↑ 25% since 2019 |
| Total Units | 3,310 |
| Vacant Units | 1,944 |
| Avg HH Size | 2.00 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,310 |
|---|---|
| Vacant | 1,944 |
| Owner Occupied | 86.7% |
| Renter Occupied | 13.3% |
| Avg HH Size | 2.00 |
ZIP code 28746 is located in Lake Lure, North Carolina, within Rutherford County. With a population of 2,734, this is a sparsely populated ZIP code with an older community — the median age is 60.5 years. Economically, 28746 is a solidly middle-class ZIP code: the median household income of $65,703 is near the national average.
Real estate in ZIP code 28746 represents a premium housing market. The median home value of $433,100 is significantly above the national average. Renters can expect to pay around $983 per month in median rent. Homeownership is strong here — 86.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 51% since 2019.
The population of 28746 is primarily White (84.93%). Residents are well-educated — 57.9% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 14.1%. Household income has grown by 13% since 2019.
The unemployment rate in 28746 stands at 5.0%, which is near the national average. About 22% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 69%.
Overall, ZIP code 28746 in Lake Lure, NC is characterized as solidly middle-class, well-educated, an older community, and predominantly owner-occupied. With 2,734 residents, a median household income of $65,703, and a median home value of $433,100, it offers a clear picture of life in this part of North Carolina.