HomeNorth CarolinaHenderson CountyFlat Rock
Flat Rock, North Carolina: commercial real estate data.
Flat Rock 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Flat Rock, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- NFIP communityVillage of Flat Rock
- NFIP community number370565
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/06/10
The Village of Flat Rock participates in the National Flood Insurance Program as community 370565 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Henderson County, not Flat Rock
Henderson County context, not Flat Rock figures
- Establishments in Henderson County3,085
- Covered employment, Henderson County44,207
- Average annual pay, Henderson County$54,106
- Housing units permitted, Henderson County1,610
Every figure in this section is published for Henderson County as a whole and is not a measurement of Flat Rock.
All Henderson County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $6.6 m since FY2020, 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. 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 Flat Rock, village of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.