PlainZIP

Otto, NC · standard

ZIP Code 28763

Macon County, North Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,725
19/sq mi
$72,269
Median income
$287,800
Median home value
39.5%
Bachelor's or higher

The verdict

Otto pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 50%
household income, US ZIPs
Top 35%
home value, US ZIPs
19
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 28763 against every reporting US ZIP.

ZIP code 28763 covers 143.4 square miles in Otto, Macon County, North Carolina (a standard USPS delivery area), with a modest 2,725 residents on file, a density of 19 people per square mile, in the New York time zone.

ZIP 28763 lands in the middle-income range, with a median household income of $72,269 (4% above the North Carolina average), while per-capita income is $41,471. Local economic indicators show a 10.5% poverty rate alongside 1.2% unemployment. The typical home here is valued at $287,800 (11% above the state average); renters pay a median of - monthly, and 88.9% of units are owner-occupied.

A solid share of residents have a four-year degree: 39.5% of adults hold a bachelor's degree or higher, the median age is 42.8, and the average commute is -. To put 28763 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Macon County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 28763

Top 5 sectors by establishment count in Otto, NC

Which industries have the most business establishments in ZIP 28763.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 28763, Otto, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

2,725

Population

143.4

Area (sq mi)

19

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 28763?

42.8

Median Age

47.8%

Male

52.2%

Female

1.5%

Foreign-Born

White 99.1%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.3%
Hispanic or Latino 3.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$72,269

Median Household Income

+4% vs state

$41,471

Per Capita Income

10.5%

Poverty Rate

1.2%

Unemployment Rate

How ZIP 28763 ranks nationally

Otto, NC household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$72,269 Top 50% higher than 50% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.1%
Bachelor's Degree or Higher 39.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,563

Total Housing Units

1,180

Occupied Units

383

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 88.9%
Renter 11.1%

$287,800

Median Home Value

+11% vs state

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-4.9%

YoY Change (2024)

247

HPI Index (2000 = 100)

+147%

Total Change Since 2000

Home values in ZIP 28763 have decreased 4.9% over the past year (2024). Since 2000, this ZIP has seen +147% cumulative appreciation.

Year Annual Change HPI Index
2020 +10.5% 157
2021 +12.8% 177
2022 +36.2% 241
2023 +7.4% 259
2024 -4.9% 247

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 36 business establishments in ZIP 28763, employing approximately 103 people with a combined annual payroll of $3,583,000.

36

Businesses

103

Employees

$3.6M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Construction 15 41.7%
Administrative and support and waste management and remediation services 7 19.4%
Retail trade 4 11.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 28763 vs 30568 →

ZIP 28763 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 28763 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 28763 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 28763 ranks #2 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
30568 Rabun Gap, GA 1,877 5.8 mi
28775 Scaly Mountain, NC 296 6.0 mi
28734 Franklin, NC 27,040 10.0 mi
30562 Mountain City, GA 1,128 8.6 mi
30537 Dillard, GA 1,249 7.6 mi
30525 Clayton, GA 7,364 9.6 mi

More ZIP Codes in Macon County

28734 standard
Franklin, NC
Pop: 27,040
28741 standard
Highlands, NC
Pop: 3,197
28781 standard
Topton, NC
Pop: 939
28775 standard
Scaly Mountain, NC
Pop: 296

Related Areas

Macon County Otto, NC North Carolina

Frequently Asked Questions

What county is ZIP code 28763 in? ▼
ZIP code 28763 (Otto) is located in Macon County, North Carolina. Macon County contains multiple ZIP codes, see the full list at /counties/macon-nc.
What is the population of ZIP code 28763? ▼
ZIP code 28763 in Otto, NC has a population of 2,725 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 28763? ▼
The median household income in ZIP 28763 is $72,269, which is 5% below the national average of $76,288.
What is the average home value in ZIP 28763? ▼
The median home value in ZIP 28763 is $287,800, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 28763? ▼
The largest racial group in ZIP 28763 is White at 99.1%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 28763? ▼
ZIP code 28763 has 36 business establishments employing approximately 103 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 28763? ▼
The top industries by establishment count in ZIP 28763 are: Construction (15), Administrative and support and waste management and remediation services (7), Retail trade (4). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 28763? ▼
According to the FHFA House Price Index, home values in ZIP 28763 decreased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 147%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 28763? ▼
In ZIP code 28763, 54.1% of residents aged 25+ have a high school diploma or higher, and 39.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 28763? ▼
In ZIP code 28763, approximately 88.9% of occupied housing units are owner-occupied and 11.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 28763? ▼
The poverty rate in ZIP code 28763 is 10.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.