HomeNorth CarolinaHenderson CountyFlat Rock village
Flat Rock village, North Carolina: commercial real estate data.
Flat Rock village is a Census village of 3,530 people across 8.10 square miles of land, in Henderson County. Median household income is $95,098, 95.3 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $6.6 m.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Flat Rock
What Flat Rock is
- Census place typevillage
- Land area8.1 sq mi
- Water area0.13 sq mi
- Population per square mile of land436
- County holding the largest share of its areaHenderson County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
How many people live in Flat Rock
- Population3,530
- Median age67.1
- Population under 18266 plus or minus 94
- Share under 187.5 percent plus or minus 2.6
- Population 65 and over1,888
- Share 65 and over53.5 percent
- Households1,754
- Family households1,212
- Share of households that are families69.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
Income and work in Flat Rock
- Median household income$95,098
- Per capita income$62,817
- Civilian labor force1,101 plus or minus 236
- Employed1,045 plus or minus 225
- Unemployed56 plus or minus 49
- Unemployment rate5.1 percent plus or minus 4.3
- Adults 25 and over3,151
- Adults 25 and over with a high school diploma or higher98.5 percent
- Adults 25 and over with a bachelor degree or higher66.0 percent
- Adults 25 and over with a graduate degree32.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
Housing in Flat Rock
- Housing units2,078
- Occupied units1,754
- Vacant units324 plus or minus 149
- Vacancy rate15.6 percent plus or minus 7.1
- Owner occupied1,671
- Renter occupied83 plus or minus 53
- Ownership rate95.3 percent
- Median owner-occupied home value$601,700
- Median gross rent, monthly$1,074 plus or minus $271
- Annual rent as a share of median income13.6 percent plus or minus 4.3
- Single family units1,945
- Share single family93.6 percent
- Units in buildings of two or more79 plus or minus 52
- Share in buildings of two or more3.8 percent plus or minus 2.5
- Mobile homes0
- Median year structure built1992
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
How Flat Rock gets to work
- Workers 16 and over who commute647 plus or minus 179
- Commuting under 15 minutes270 plus or minus 107
- Share commuting under 15 minutes41.7 percent plus or minus 11.8
- Commuting 30 minutes or more191 plus or minus 98
- Share commuting 30 minutes or more29.5 percent plus or minus 12.8
- Drove alone60.0 percent plus or minus 13.1
- Carpooled3.1 percent plus or minus 3.5
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home34.3 percent plus or minus 10.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
SBA loans in Flat Rock (7(a))
- Approvals6
- Gross approval$6,623,200
- Average approval$1,103,867
- Median approval$236,600
- Ninetieth percentile approval$5,000,000
- Largest approval$5,000,000
- Jobs supported38
- Jobs per approval6.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises16.7 percent
- Distinct lenders5
- Distinct industries by NAICS5
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Flat Rock
Flood risk in Flat Rock
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370565
- Currently effective map date01/06/10
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Henderson County, not Flat Rock
Henderson County context, not Flat Rock figures
These are Henderson County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Flat Rock measurements.
- Establishments in Henderson County3,085
- Employment at those establishments, Henderson County38,824
- Covered employment, Henderson County44,207
- Average annual pay, Henderson County$54,106
- Average weekly wage, Henderson County$1,041
- Housing units permitted, Henderson County1,610
- Of those, single family, Henderson County988
- County product, 2024, Henderson County$6,371,806,000
- County product change over the prior year, Henderson County6.5 percent
- Average income of an arriving household, Henderson County$95,308
Every figure in this section is published for Henderson County as a whole and is not a measurement of Flat Rock. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Flat Rock questions, answered from the record.
How many people live in Flat Rock, North Carolina?
3,530, in 1,754 households. Flat Rock village covers 8.10 square miles of land, which is 436 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Flat Rock in?
Henderson County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Flat Rock?
$95,098. The median owner-occupied home is valued at $601,700. Median gross rent is $1,074 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Flat Rock businesses?
6 7(a) approvals totalling $6.6 m, across 5 lenders, median approval $236,600. These count approvals to borrowers whose address is in Flat Rock, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Flat Rock borrowers get paid back?
No rate is published for Flat Rock. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Flat Rock in the National Flood Insurance Program?
Yes. Flat Rock appears in the FEMA Community Status Book as community 370565, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Flat Rock figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Henderson County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Flat Rock.
Is zoning published for Flat Rock?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.