ZIP 28756

28756 is one of 4 ZIP codes that lie mostly in Polk County, NC — 99% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 4 with a value.

3 school locations in 28756: 2 elementary, 1 middle.

In alphabetical order: Polk Central Elementary School, Polk County Middle School, Sunny View Elementary School. Locations only — no ratings are shown here.

In March 2002 the typical home in 28756 was worth $119,178.

Values peaked at $312,825 in October 2024. The latest reading is −12.0% from that peak.

As of August 2026: $275,269, −5.9% over twelve months.

Start with the typical home: $275,269. Put 20% down and borrow $220,215 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,525 a month in principal and interest.

The median household here earns $54,112 a year, $4,509 a month. So the payment takes 33.8% 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 14.6% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2002 (7.01%) the payment was $635.

In December 2020, with rates at 2.68%, it was $727.

By August 2026, at 6.67%, it was $1,416 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +131% since March 2002.

General prices (CPI-U) rose +87% over the same span.

Divide one by the other: in August 2026 dollars, the 2002 home was worth $223,087. So the real change is +23%, not +131%.

28756: +131% since March 2002.

Polk County: +191% since March 2002.

North Carolina: +138% since March 2002 — 28756 ran behind it by 7 points.

Owning the typical home costs about $1,800 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $600 a month.

Price divided by a year's rent: 38.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 7 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 40.

Going out — closed sales: about 4 a month.

The ladder: homes for sale ÷ monthly sales = 9.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 80% of it, and below it in 5 of the last 24 months.

Across Polk County, builders pulled permits for 141 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Polk County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 312 moved in. Among the ten receiving the most, 342 moved out.

Net across those counties: −30 households. Beside it, homes for sale in this ZIP: 40 in June 2026.

Most arrivals came from Henderson, NC (97 households); most departures went to Henderson, NC (105).