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 Moderate-density area
- $72,269
- Median income Near-median income area
- $287,800
- Median home value Near-median home value
- 39.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 28763 (Otto, NC) fell -4.9% from 2023 to 2024. The all-transactions index moved from 259.4 in 2023 to 246.7 in 2024 (2000 = 100).
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 average North Carolina ZIP), while per-capita income is $41,471. The poverty rate is 10.5%, with unemployment at 1.2%; those measures add context to the income figure. Median home value is $287,800 (11% above the average North Carolina ZIP); 88.9% of occupied homes 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 -. The page also surfaces 6 ZIP codes within roughly 10 miles and 4 more in Macon County, so 28763 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
15 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
7 establishments
- Retail trade 4
Retail trade
4 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, 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
Who lives in ZIP 28763?
42.8
Median Age
47.8%
Male
52.2%
Female
1.5%
Foreign-Born
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 ZIP avg
$41,471
Per Capita Income
10.5%
Poverty Rate
1.2%
Unemployment Rate
How ZIP 28763 ranks among North Carolina ZIPs
Otto, NC household income vs. every North Carolina ZIP code
Median household income among 749 reporting North Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$72,269 Top 35% higher than 65% of 749 North Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more North Carolina 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,563housing units
1,563
Total Housing Units
1,180
Occupied Units
383
Vacant Units
2.28
Avg Household Size
Occupancy Type
$287,800
Median Home Value
+11% vs state ZIP avg
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.
- 28734
Franklin (28734)
27,040 residents
- 30525 7,364
Clayton (30525)
7,364 residents
- 28763 2,725
Otto (28763)
2,725 residents
- 30568 1,877
Rabun Gap (30568)
1,877 residents
- 30537 1,249
Dillard (30537)
1,249 residents
- 30562 1,128
Mountain City (30562)
1,128 residents
- 28775 296
Scaly Mountain (28775)
296 residents
What this shows Among its immediate neighbors, ZIP 28763 ranks #3 by population - useful context the national average alone can't give.
ZIP 28763 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 30568
Rabun Gap (30568)
$75,948 median income
- 28763
Otto (28763)
$72,269 median income
- 30525
Clayton (30525)
$65,150 median income
- 28734
Franklin (28734)
$54,021 median income
- 30537
Dillard (30537)
$50,000 median income
- 30562
Mountain City (30562)
$48,529 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 28763, both outside NC so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,725 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Macon County
Related Areas
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.
Related
Take this with you
What to do with ZIP 28763's numbers, next.
- See how ZIP 28763 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Otto, NC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.