ZIP 28726 vs ZIP 28792

28726 is one of 13 ZIP codes that lie mostly in Henderson County, NC.

Shaded by typical home value, it ranks 10 of the 10 with a value.

3 school locations in 28726: 1 elementary, 1 middle, 1 high.

In alphabetical order: East Henderson High, Flat Rock Middle, Hillandale Elementary. Locations only — no ratings are shown here.

28792 is one of 13 ZIP codes that lie mostly in Henderson County, NC — 97% of its own area is in the county.

Shaded by typical home value, it ranks 9 of the 10 with a value.

8 school locations in 28792: 5 elementary, 2 middle, 1 high.

In alphabetical order: Apple Valley Middle, Bruce Drysdale Elementary, Clear Creek Elementary, Dana Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In April 2008 the typical home in 28726 was worth $129,787.

Values peaked at $307,619 in August 2024. The latest reading is −5.1% from that peak.

As of August 2026: $291,792, −3.9% over twelve months.

Start with the typical home: $291,792. Put 20% down and borrow $233,434 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,616 a month in principal and interest.

The median household here earns $56,638 a year, $4,720 a month. So the payment takes 34.2% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 15.2% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in April 2008 (5.92%) the payment was $617.

In December 2020, with rates at 2.68%, it was $693.

By August 2026, at 6.67%, it was $1,501 — +117% since December 2020, while the home's value moved +36%.

Reported values rose +125% since April 2008.

General prices (CPI-U) rose +56% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $202,699. So the real change is +44%, not +125%.

28726: +125% since April 2008.

Henderson County: +101% since April 2008.

North Carolina: +91% since April 2008 — 28726 ran ahead of it by 33 points.

Owning the typical home costs about $1,908 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $884 a month.

Price divided by a year's rent: 27.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In March 2008 the typical home in 28792 was worth $177,252.

Values peaked at $385,900 in February 2025. The latest reading is −4.0% from that peak.

As of August 2026: $370,566, −2.0% over twelve months.

Start with the typical home: $370,566. Put 20% down and borrow $296,453 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,053 a month in principal and interest.

The median household here earns $55,066 a year, $4,589 a month. So the payment takes 44.7% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 21.4% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2008 (5.97%) the payment was $847.

In December 2020, with rates at 2.68%, it was $886.

By August 2026, at 6.67%, it was $1,906 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +109% since March 2008.

General prices (CPI-U) rose +57% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $277,470. So the real change is +34%, not +109%.

28792: +109% since March 2008.

Henderson County: +102% since March 2008.

North Carolina: +92% since March 2008 — 28792 ran ahead of it by 18 points.

Owning the typical home costs about $2,423 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,691 a month.

Price divided by a year's rent: 18.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 100% of it, and below it in 13 of the last 24 months.

Across Henderson County, builders pulled permits for 1,093 new homes in 2025.

Of those, 63% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 58 a month (Redfin, 3-month rolling data through August 2026). That is 111% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 236. That is 128% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 87% of the 2015–2019 level for the same months. The drain is drawn 38% narrower: the share of homes for sale that sell each month is 62% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.9 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 18 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 41 — so sales ran at 98% of it, and below it in 9 of the last 24 months.

Across Henderson County, builders pulled permits for 1,093 new homes in 2025.

Of those, 63% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Henderson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,748 moved in. Among the ten receiving the most, 1,510 moved out.

Net across those counties: +238 households. Beside it, homes for sale in this ZIP: 14 in June 2026.

Most arrivals came from Buncombe, NC (1,093 households); most departures went to Buncombe, NC (703).

This ZIP sits in Henderson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,748 moved in. Among the ten receiving the most, 1,510 moved out.

Net across those counties: +238 households. Beside it, homes for sale in this ZIP: 236 in June 2026.

Most arrivals came from Buncombe, NC (1,093 households); most departures went to Buncombe, NC (703).