ZIP Codes of Rutherford County, NC

Population & People
Population & People
Total Population
61,884
Household Income
Household Income
Median Income
$55,360
Housing
Housing
Total Housing Units
31,359
Business & Economy
Business & Economy
Total Businesses
1,257
Employment
Employment
Employment Rate
51.12%
Education
Education
Bachelor's Degree+
21.98%
Source: U.S. Census ACS 2024 5-Year Estimates · rolled up across the 12 ZIPs in this county.
Data Last Updated: June 1, 2026
ZIP Codes:12 ZIP Codes (7 Standard, 5 PO Box, 0 Unique) [See All]
Area Codes:704 / 828 / 980
Timezone:Eastern (GMT -05:00)
Local Time:2:12:59 PM
Population:61,884 [See All]
FIPS:37161
CBSA:Forest City, NC
Land Area:536 sq mi
Water Area:2 sq mi
Coordinates:35.3585, -81.9170
Quick Link:
https://www.zip-codes.com/county/nc-rutherford.asp
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Striking education divide
Bachelor's share spans 14.6% to 46.2% — a 32-point gap.

Standout ZIPs in this County


Most Populous
Forest City · 20,930 people
33.8% of county total
Highest Income
Lake Lure · $70,469 median
1.3× county average
Largest Land Area
Rutherfordton · 181.8 sq mi
Spans the most ground
Fastest Growth
Lake Lure · 23.1% (10-yr)
2,229 → 2,744 residents
Most Educated
Lake Lure · 46.2% bachelor's+
1,090 of 2,361 adults 25+

Things worth knowing about Rutherford County


61,884 residents live across 12 ZIPs covering 536 sq mi, served by 12 distinct USPS-recognized cities.

Population moved from 64,218 to 61,838 from 2014 to 2024 — a -3.7% change. 3 ZIPs gained residents, 6 lost (and 1 held flat).

The county's wealthiest ZIP 28746 (Lake Lure, $70,469 median) and poorest ZIP 28160 (Spindale, $40,868) are 15.8 miles apart — a 1.7× income gap across local geography.

Median home values vary 2.9× across this county — from $164,000 in 28160 (Spindale) to $470,700 in 28746 (Lake Lure).

Density varies 19× across the county — from 33 people/sq mi in 28167 (Union Mills) to 624 in 28160 (Spindale).

Educational attainment ranges from 14.6% bachelor's+ in 28160 (Spindale) to 46.2% in 28746 (Lake Lure) — the breadth of educational profiles across the area.

Within North Carolina, this is the #44 most populous of 100 counties and ranks #74 for median household income .

Weighted by population, the typical household earns about $51,313 across the county — reflecting what a typical resident sees, not a simple ZIP average.

22.0% of adults age 25+ hold a bachelor's degree or higher (10,005 of 45,523 reporting).

7 Standard delivery, 5 PO Box only, 0 single-entity Unique ZIPs serve this county.

All ZIP Codes in Rutherford County


ZIPCityTypePopulationMedian IncomeArea (sq mi)10-yr Growth
28043Forest CityStandard20,930$42,27667.1-5.1%
28139RutherfordtonStandard20,008$56,558181.83.7%
28040EllenboroStandard6,961$58,81667.7-11.6%
28018BosticStandard5,034$50,72799.0-8.7%
28160SpindaleStandard3,665$40,8685.9-4.4%
28746Lake LureStandard2,744$70,46945.423.1%
28167Union MillsStandard2,253$59,73269.1-7.8%
28720Chimney RockPO Box138$63,4380.124.3%
28076HenriettaPO Box1050.0-87.6%
28024CliffsidePO Box310.0
28074HarrisPO Box150.0
28019CaroleenPO Box00.0

Adjacent & Nearby Counties