ZIP 28731 · Hendersonville, NC

Six governments run on your community's money

This page shows every government that serves ZIP 28731: the state, county, city or town and school district, and where each one's money comes from and goes.

Each government is shown for its own newest fiscal year on file, so the years differ. Figures come from the U.S. Census Bureau's Annual Survey of State and Local Government Finances, the government's own report or, for North Carolina governments, the North Carolina Local Government Commission, as named under Sources and more.

Where do my taxes go in 28731?
28731 is served by the State of North Carolina, Henderson County, the City of Hendersonville, Polk County, the City of Saluda and the Village of Flat Rock. In each one's latest recorded fiscal year, State of North Carolina spent $89.8 billion (fiscal year ended June 30, 2024), Henderson County spent $675 million (fiscal year ended June 30, 2024), City of Hendersonville spent $59.6 million (fiscal year ended June 30, 2025), Polk County spent $66.9 million (fiscal year ended June 30, 2022), City of Saluda spent $3.5 million (fiscal year ended June 30, 2025) and Village of Flat Rock spent $2.9 million (fiscal year ended June 30, 2024). Each government's money is separate.

Which governments collect property tax in 28731?
Of the governments serving 28731, Henderson County collected $116 million (fiscal year ended June 30, 2024), Polk County collected $20.9 million (fiscal year ended June 30, 2022), City of Hendersonville collected $17.7 million (fiscal year ended June 30, 2025), Village of Flat Rock collected $1.8 million (fiscal year ended June 30, 2024) and City of Saluda collected $1.1 million (fiscal year ended June 30, 2025) in property tax. These are each government's total collections, not a bill for 28731.

See another ZIP code

From the state down to your schools: where each one's money comes from and goes.

See the full budget for: Henderson County, Polk County, Hendersonville and Saluda

Why not this year? North Carolina governments with newer filings show figures from the North Carolina Local Government Commission (for 2024 and 2025, each government's newest year on file). Each other figure is the newest year the U.S. Census Bureau has published for that government, so the years differ and are not the current year. Most governments post their current budget on their own website.

Where property tax goes in 28731

Henderson County$116 million

16% of its $740 million in revenue · fiscal year ended June 30, 2024

Polk County$20.9 million

33% of its $63.0 million in revenue · fiscal year ended June 30, 2022

City of Hendersonville$17.7 million

26% of its $66.8 million in revenue · fiscal year ended June 30, 2025

Village of Flat Rock$1.8 million

53% of its $3.3 million in revenue · fiscal year ended June 30, 2024

City of Saluda$1.1 million

31% of its $3.5 million in revenue · fiscal year ended June 30, 2025

These are each government's total property tax collections, not your bill. Your own bill is split by each government's tax rate, shown on your property tax bill.

Your counties

Public schools here are run by Henderson County and Polk County, so school money is part of its budget.

Henderson County

$675 million budget in the latest fiscal year on record, which ended June 30, 2024.

About 81% of this ZIP is in Henderson County.

Where the money comes from

Fees for services (hospital bills, college tuition)59%County taxes20%State tax money19%Fines and other1.2%Local tax money0.9%Federal tax money0.3%

What stands out

59%

of Henderson County's money comes from fees for services such as water, sewer and parking.A typical U.S. county of 50,000 to 250,000 people gets 11%.

Full Henderson County breakdown

County taxes20%

Property tax
16%$116 million
Sales tax
4.0%$29.8 million
Other taxes
0.5%$3.9 million
What's in other taxesOther selective sales taxes
  • Other selective sales taxes$3.9 million

Amounts are by Census tax category.

Fees for services59%

Fees for services
59%$436 million
What's in fees for servicesHospital bills; college tuition and 4 more
  • Hospital bills$430 million
  • College tuition$2.6 million
  • School lunches$1.2 million
  • School tuition and transportation$1.2 million
  • University housing and dining$218 thousand
  • Other school charges$24 thousand

Amounts are by Census type of charge.

Federal tax money0.3%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
0.3%$1.9 million

State tax money19%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
19%$138 million

Local tax money0.9%

Money passed on by the county or other local governments.

From other local governments
0.9%$6.3 million

Fines and other1.2%

Interest, rents and other
1.2%$9.1 million
Henderson County page →

Where the money goes

Health and hospitals66%Schools and colleges29%Social services2.9%Interest on debt1.2%Police, fire, courts and jails0.8%All other spending0.5%

What stands out

66%

of Henderson County's spending goes to health services and hospitals.A typical U.S. county of 50,000 to 250,000 people spends 5.7%.

Full Henderson County breakdown

Spending by category100%

Health and hospitals
66%$445 million
What's in health and hospitalsHospitals and public health
  • Hospitals$423 million
  • Public health$22.3 million
Schools and colleges
29%$193 million
What's in schools and collegesElementary and secondary schools; colleges and universities and 2 more
  • Elementary and secondary schools$159 million
  • Colleges and universities$32.8 million
  • Scholarships and other education subsidies$1.7 million
  • College housing, dining and bookstores$23 thousand
Social services
2.9%$19.5 million
What's in social servicesOther public welfare
  • Other public welfare$19.5 million
Interest on debt
1.2%$8.2 million
Police, fire, courts and jails
0.8%$5.4 million
What's in police, fire, courts and jailsPolice
  • Police$5.4 million
Parks, recreation and libraries
0.3%$2.3 million
What's in parks, recreation and librariesParks and recreation
  • Parks and recreation$2.3 million
Sent to other local governments
0.2%$1.4 million
What's in sent to other local governmentsSent to local governments: other and not broken out
  • Sent to local governments: other and not broken out$1.4 million
Henderson County page →

Polk County

$66.9 million budget in the latest fiscal year on record, which ended June 30, 2022.

About 20% of this ZIP is in Polk County.

Where the money comes from

County taxes45%State tax money41%Fees for services (garbage collection, hospital bills)6.5%Federal tax money3.9%Fines and other3.0%Local tax money0.1%
Full Polk County breakdown

What stands out

9.4%

of Polk County's money comes from sales tax.A typical U.S. county of under 50,000 people gets 1.6%.

County taxes45%

Property tax
33%$20.9 million
Sales tax
9.4%$6.0 million
Other taxes
2.5%$1.6 million
What's in other taxesOther selective sales taxes; other taxes not classified elsewhere and 3 more
  • Other selective sales taxes$464 thousand
  • Other taxes not classified elsewhere$464 thousand
  • Occupation and business licenses$311 thousand
  • Real estate and stock transfer taxes$295 thousand
  • Other licenses$59 thousand

Amounts are by Census tax category.

Fees for services6.5%

Fees for services
6.5%$4.1 million
What's in fees for servicesGarbage collection; hospital bills and 6 more
  • Garbage collection$1.9 million
  • Hospital bills$974 thousand
  • Other service charges$495 thousand
  • Other government-run businesses$399 thousand
  • School lunches$169 thousand
  • Transit fares$67 thousand
  • Water$32 thousand
  • Other school charges$5 thousand

Amounts are by Census type of charge.

Federal tax money3.9%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
3.9%$2.5 million

State tax money41%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
41%$26.0 million

Local tax money0.1%

Money passed on by the county or other local governments.

From other local governments
0.1%$70 thousand

Fines and other3.0%

Interest, rents and other
2.6%$1.6 million
Fines
0.4%$258 thousand
Polk County page →

Where the money goes

Schools and colleges57%Police, fire, courts and jails19%Running the government and other costs8.5%Social services5.2%Water, sewer, trash and utilities2.9%All other spending7.4%

What stands out

57%

of Polk County's spending goes to schools and colleges.Most U.S. counties of under 50,000 people spend nothing on this.

Full Polk County breakdown

Spending by category100%

Schools and colleges
57%$38.4 million
What's in schools and collegesElementary and secondary schools
  • Elementary and secondary schools$38.4 million
Police, fire, courts and jails
19%$12.5 million
What's in police, fire, courts and jailsPolice; fire protection and 3 more
  • Police$7.4 million
  • Fire protection$2.8 million
  • Prisons and jails$2.0 million
  • Inspections and regulation$310 thousand
  • Courts and legal services$70 thousand
Running the government and other costs
8.5%$5.7 million
What's in running the government and other costsOther and not broken out; finance, tax collection and budgeting and 2 more
  • Other and not broken out$1.7 million
  • Finance, tax collection and budgeting$1.4 million
  • Central staff services (personnel, purchasing, technology)$1.4 million
  • Government buildings$1.2 million
Social services
5.2%$3.5 million
What's in social servicesOther public welfare
  • Other public welfare$3.5 million
Water, sewer, trash and utilities
2.9%$1.9 million
What's in water, sewer, trash and utilitiesGarbage and solid waste; water supply and 1 more
  • Garbage and solid waste$1.9 million
  • Water supply$48 thousand
  • Sewer systems$10 thousand
Parks, recreation and libraries
2.7%$1.8 million
What's in parks, recreation and librariesParks and recreation and libraries
  • Parks and recreation$943 thousand
  • Libraries$879 thousand
Health and hospitals
1.6%$1.1 million
What's in health and hospitalsPublic health
  • Public health$1.1 million
Roads, transit and parking
0.8%$555 thousand
What's in roads, transit and parkingPublic transit
  • Public transit$555 thousand
Interest on debt
0.8%$548 thousand
Housing and community development
0.6%$383 thousand
Environment and natural resources
0.5%$317 thousand
What's in environment and natural resourcesNatural resources, farming and conservation
  • Natural resources, farming and conservation$317 thousand
Sent to other local governments
0.3%$203 thousand
What's in sent to other local governmentsSent to local governments: other and not broken out
  • Sent to local governments: other and not broken out$203 thousand
Polk County page →

Your cities and towns

City of Hendersonville

$59.6 million budget in fiscal year 2025 (ended June 30, 2025), from the North Carolina Local Government Commission.

About 25% of this ZIP is in Hendersonville.

Where the money comes from

Fees for services48%City taxes37%Fines and other7.2%State tax money6.6%County and local tax money0.6%Federal tax money0.5%
Full Hendersonville breakdown

City taxes37%

Property tax
26%$17.7 million
Sales tax
11%$7.1 million
Other taxes
0.4%$256 thousand

Fees for services48%

Fees for services
48%$31.8 million

Federal tax money0.5%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
0.5%$342 thousand

State tax money6.6%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
6.6%$4.4 million

County and local tax money0.6%

Money passed on by the county or other local governments.

From the county and other local governments
0.6%$383 thousand

Fines and other7.2%

Interest, rents and other
7.2%$4.8 million
Hendersonville page →

Where the money goes

Water, sewer, trash and utilities38%Police, fire, courts and jails26%Running the government and other costs16%Debt payments (principal and interest)9.6%Roads, transit and parking3.8%All other spending6.1%
Full Hendersonville breakdown

Spending by category100%

Water, sewer, trash and utilities
38%$22.8 million
Police, fire, courts and jails
26%$15.8 million
Running the government and other costs
16%$9.4 million
Debt payments (principal and interest)
9.6%$5.7 million
Roads, transit and parking
3.8%$2.3 million
Housing and community development
3.5%$2.1 million
Parks, recreation and libraries
2.5%$1.5 million
Hendersonville page →

City of Saluda

$3.5 million budget in fiscal year 2025 (ended June 30, 2025), from the North Carolina Local Government Commission.

About 20% of this ZIP is in Saluda.

Where the money comes from

Fees for services34%City taxes32%State tax money31%Fines and other3.4%
Full Saluda breakdown

City taxes32%

Property tax
31%$1.1 million
Other taxes
0.6%$21 thousand

Fees for services34%

Fees for services
34%$1.2 million

State tax money31%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
31%$1.1 million

County and local tax money<0.1%

Money passed on by the county or other local governments.

From the county and other local governments
<0.1%$387

Fines and other3.4%

Interest, rents and other
3.4%$118 thousand
Saluda page →

Where the money goes

Water, sewer, trash and utilities43%Police, fire, courts and jails23%Running the government and other costs19%Debt payments (principal and interest)8.0%Roads, transit and parking5.5%Parks, recreation and libraries2.3%
Full Saluda breakdown

Spending by category100%

Water, sewer, trash and utilities
43%$1.5 million
Police, fire, courts and jails
23%$787 thousand
Running the government and other costs
19%$654 thousand
Debt payments (principal and interest)
8.0%$278 thousand
Roads, transit and parking
5.5%$189 thousand
Parks, recreation and libraries
2.3%$79 thousand
Saluda page →

Village of Flat Rock

$2.9 million budget in fiscal year 2024 (ended June 30, 2024), from the North Carolina Local Government Commission.

About 15% of this ZIP is in Flat Rock.

Where the money comes from

Village taxes73%State tax money16%Fines and other11%
Full Flat Rock breakdown

Village taxes73%

Property tax
53%$1.8 million
Sales tax
21%$685 thousand
Other taxes
0.1%$5 thousand

State tax money16%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
16%$535 thousand

Fines and other11%

Interest, rents and other
11%$355 thousand
Flat Rock page →

Where the money goes

Police, fire, courts and jails58%Parks, recreation and libraries24%Running the government and other costs17%Housing and community development0.3%Environment and natural resources0.2%
Full Flat Rock breakdown

Spending by category100%

Police, fire, courts and jails
58%$1.7 million
Parks, recreation and libraries
24%$682 thousand
Running the government and other costs
17%$502 thousand
Housing and community development
0.3%$8 thousand
Environment and natural resources
0.2%$5 thousand
Flat Rock page →

Your state

State of North Carolina

$89.8 billion budget in the latest fiscal year on record, which ended June 30, 2024.

Where the money comes from

State taxes45%Federal tax money36%Fees for services (hospital bills, university housing and dining)10%Fines and other7.3%Local tax money1.4%
Full North Carolina breakdown

What stands out

19%

of North Carolina's money comes from a personal income tax.A typical state government gets 14%.

State taxes45%

Individual income tax
19%$16.7 billion
Sales tax
14%$12.2 billion
Other taxes
10%$8.75 billion
What's in other taxesMotor fuel taxes; other selective sales taxes and 15 more
  • Motor fuel taxes$2.49 billion
  • Other selective sales taxes$1.32 billion
  • Insurance premium taxes$1.23 billion
  • Motor vehicle licenses$1.02 billion
  • Corporation licenses$882 million
  • Alcoholic beverage taxes$599 million
  • Occupation and business licenses$422 million
  • Tobacco taxes$262 million
  • Driver's licenses$139 million
  • Public utility taxes$128 million
  • Real estate and stock transfer taxes$111 million
  • Other licenses$52.1 million
  • Hunting and fishing licenses$41.6 million
  • Alcoholic beverage licenses$30.5 million
  • Public utility licenses$23.6 million
  • Severance taxes$2.0 million
  • Amusement licenses$184 thousand

Amounts are by Census tax category.

Business income tax
1.8%$1.56 billion

Fees for services10%

Fees for services
10%$8.93 billion
What's in fees for servicesHospital bills; university housing and dining and 16 more
  • Hospital bills$2.92 billion
  • University housing and dining$2.26 billion
  • College tuition$2.15 billion
  • Other service charges$1.01 billion
  • Road charges$216 million
  • Tolls on roads and bridges$104 million
  • Housing$73.7 million
  • Ports and waterways$64.4 million
  • Parks, land and natural resources$61.4 million
  • Parks and recreation$39.5 million
  • Transit fares$22.1 million
  • Airport$3.9 million
  • Other education charges$3.8 million
  • Water$1.7 million
  • Parking$1.7 million
  • Other school charges$1.3 million
  • Garbage collection$284 thousand
  • Sewer$169 thousand

Amounts are by Census type of charge.

Federal tax money36%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
36%$31.4 billion

Local tax money1.4%

Money passed on by the county or other local governments.

From local governments
1.4%$1.26 billion

Fines and other7.3%

Interest, rents and other
6.5%$5.65 billion
Fines
0.8%$702 million
North Carolina page →

Where the money goes

Social services35%Sent to local governments23%Schools and colleges16%Roads, transit and parking7.9%Police, fire, courts and jails5.2%All other spending13%

What stands out

35%

of North Carolina's spending goes to social services.A typical state government spends 31%.

Full North Carolina breakdown

Spending by category100%

Social services
35%$31.2 billion
What's in social servicesOther public welfare; unemployment and social insurance offices and 2 more
  • Other public welfare$30.9 billion
  • Unemployment and social insurance offices$165 million
  • Welfare institutions$55.5 million
  • Veterans' services$17.8 million
Sent to local governments
23%$20.7 billion
What's in sent to local governmentsSent to local governments: elementary and secondary schools; sent to local governments: colleges and universities and 17 more
  • Sent to local governments: elementary and secondary schools$14.0 billion
  • Sent to local governments: colleges and universities$1.77 billion
  • Sent to local governments: other and not broken out$1.31 billion
  • Sent to local governments: general support$1.06 billion
  • Sent to local governments: public health$893 million
  • Sent to local governments: airports$523 million
  • Sent to local governments: roads and highways$312 million
  • Sent to local governments: other public welfare$248 million
  • Sent to local governments: other government administration$159 million
  • Sent to local governments: sewer systems$92.7 million
  • Sent to local governments: parks and recreation$76.5 million
  • Sent to local governments: police$51.2 million
  • Sent to local governments: finance, tax collection and budgeting$50.8 million
  • Sent to local governments: natural resources, farming and conservation$50.7 million
  • Sent to local governments: housing and community development$33.4 million
  • Sent to local governments: libraries$21.2 million
  • Sent to local governments: courts and legal services$18.1 million
  • Sent to local governments: prisons and jails$1.3 million
  • Sent to local governments: garbage and solid waste$466 thousand
Schools and colleges
16%$14.8 billion
What's in schools and collegesColleges and universities; college housing, dining and bookstores and 3 more
  • Colleges and universities$8.31 billion
  • College housing, dining and bookstores$3.02 billion
  • Scholarships and other education subsidies$2.02 billion
  • Elementary and secondary schools$761 million
  • Other education$664 million
Roads, transit and parking
7.9%$7.12 billion
What's in roads, transit and parkingRoads and highways; toll roads and bridges and 4 more
  • Roads and highways$6.48 billion
  • Toll roads and bridges$342 million
  • Ports and harbors$181 million
  • Public transit$104 million
  • Airports$14.9 million
  • Parking$1.7 million
Police, fire, courts and jails
5.2%$4.65 billion
What's in police, fire, courts and jailsPrisons and jails; courts and legal services and 3 more
  • Prisons and jails$2.15 billion
  • Courts and legal services$1.34 billion
  • Police$623 million
  • Inspections and regulation$284 million
  • Probation, parole and other corrections$255 million
Health and hospitals
4.9%$4.43 billion
What's in health and hospitalsHospitals and public health
  • Hospitals$3.40 billion
  • Public health$1.04 billion
Running the government and other costs
4.8%$4.30 billion
What's in running the government and other costsOther and not broken out; finance, tax collection and budgeting and 3 more
  • Other and not broken out$1.99 billion
  • Finance, tax collection and budgeting$1.65 billion
  • Central staff services (personnel, purchasing, technology)$411 million
  • Other government administration$194 million
  • Government buildings$48.2 million
Environment and natural resources
1.0%$863 million
What's in environment and natural resourcesNatural resources, farming and conservation
  • Natural resources, farming and conservation$863 million
Interest on debt
0.9%$765 million
Parks, recreation and libraries
0.6%$557 million
What's in parks, recreation and librariesParks and recreation and libraries
  • Parks and recreation$547 million
  • Libraries$10.4 million
Housing and community development
0.6%$516 million
Water, sewer, trash and utilities
<0.1%$16.9 million
What's in water, sewer, trash and utilitiesGarbage and solid waste; water supply and 1 more
  • Garbage and solid waste$14.6 million
  • Water supply$1.6 million
  • Sewer systems$700 thousand
North Carolina page →
Sources and moreEach government's source, fiscal year and how a ZIP is matched

State of North Carolina. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Henderson County. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

City of Hendersonville. North Carolina Department of State Treasurer, Local Government Commission, Annual Financial Information Report (AFIR), fiscal year 2025, fiscal year ended June 30, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Polk County. U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended June 30, 2022. The Census record for this government is from the 2022 survey, the newest on file.

City of Saluda. North Carolina Department of State Treasurer, Local Government Commission, Annual Financial Information Report (AFIR), fiscal year 2025, fiscal year ended June 30, 2025. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended June 30, 2022.

Village of Flat Rock. North Carolina Department of State Treasurer, Local Government Commission, Annual Financial Information Report (AFIR), fiscal year 2024, fiscal year ended June 30, 2024. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended June 30, 2022.

How these figures are counted. Revenue and spending are the figures that a North Carolina government reported to the North Carolina Local Government Commission in its Annual Financial Information Report, which restates the government's audited financial statements into one schedule, grouped into the same categories as the Census figures. The report covers the general, special revenue, capital projects and debt service funds and the enterprise (utility) funds. Borrowing, transfers between a government's own funds and depreciation are not counted. Fiscal years end June 30.

Debt payments. The report lists principal and interest on both general and utility debt, so the "Debt payments" line includes principal as well as interest. The Census figures leave principal out, so spending can be higher than the Census figure for the same government.

Separate entities. Some city utilities and authorities are separate entities and are not in these figures.

How a ZIP is matched. A ZIP code is not a government boundary, so we match it to the cities, counties and school districts that overlap it, using Census Bureau geography. Where a ZIP crosses several, each one is shown with its share of the ZIP. Each government's money covers its own operations only; the others listed here are separate.

Latest recorded year. The year differs by government: each block shows the newest fiscal year on file. A Census survey year covers fiscal years ending July 1 of the year before through June 30 of that year.