ZIP 28790 vs ZIP 28792

28790 is one of 13 ZIP codes that lie mostly in Henderson County, NC.

Shaded by typical home value, it ranks 8 of the 10 with a value.

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 March 2008 the typical home in 28790 was worth $209,849.

Values peaked at $414,358 in December 2024. The latest reading is −3.7% from that peak.

As of August 2026: $399,022, 0.0% over twelve months.

Start with the typical home: $399,022. Put 20% down and borrow $319,218 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,210 a month in principal and interest.

The median household here earns $98,115 a year, $8,176 a month. So the payment takes 27.0% of income — rated “affordable” (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 14.2% 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 $1,003.

In December 2020, with rates at 2.68%, it was $947.

By August 2026, at 6.67%, it was $2,053 — +117% since December 2020, while the home's value moved +36%.

Reported values rose +90% 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 $328,497. So the real change is +21%, not +90%.

28790: +90% since March 2008.

Henderson County: +102% since March 2008.

North Carolina: +92% since March 2008 — 28790 ran behind it by 1 points.

Owning the typical home costs about $2,609 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,233 a month.

Price divided by a year's rent: 27.0. 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 6 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: 23 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).