28747 ZIP Code — Lake Toxaway, NC

Transylvania County, North Carolina

ZIP code 28747 is located in Lake Toxaway, North Carolina, within Transylvania County. It covers approximately 48.76 square miles and serves a population of 2,269 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 828.

About ZIP code 28747

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $226,400. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($58,400) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 18% of residents, above the national average. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with construction as the leading industry. The average commute of 24 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

22% of residents lack health insurance, above the national average.

Overall, ZIP code 28747 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

2,269

population

48.76

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

28747 ZIP code map

Cities in ZIP code 28747

Below are the cities the US Postal Service accepts for ZIP code 28747. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Toxaway	Preferred

Nearby ZIP codes

28772 Rosman (4.8 mi) 28774 Sapphire (5 mi) 28708 Balsam Grove (7.4 mi) 28783 Tuckasegee (8.7 mi) 28736 Glenville (10 mi) 28717 Cashiers (10.1 mi) 28712 Brevard (10.9 mi) 29685 Sunset (11.5 mi) 28723 Cullowhee (13 mi) 29676 Salem (14.4 mi) 28741 Highlands (16.1 mi) 28768 Pisgah Forest (16.9 mi)

Demographics updated 06/2026

Population
Total population	2,269
Population density	47 / sq mi
State FIPS	37
County FIPS	175

Geography
Land area	48.76 sq mi
Water area	0.83 sq mi
Latitude	35.1322
Longitude	-82.9273
Timezone	Eastern (ET)
Area code	828

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.1%	48.1%	44.4%
$50k – $100k	21.1%	31.2%	30.6%
$100k – $200k	9.9%	15.8%	19.1%
Over $200k	3.9%	4.8%	6.0%

Demographics & statistics

2,269

Population

People per sq mi

40.7

Median age

$58,400

Median household income

$37,060

Per capita income

$226,400

Median home value

$768

Median monthly rent

89.6%

Home ownership

17.9%

Poverty rate

6.1%

Unemployment

1,776

Housing units

31.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

144

5–9

126

10–14

15–19

20–24

218

25–34

193

35–44

122

45–54

107

102

55–59

60–64

161

65–74

141

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	533	23.5%
18 and over	1,736	76.5%
65 and over	502	22.1%
Median age	40.7 years

Race & ethnicity

White 91.6%

Hispanic or Latino 3.9%

Other race 3.9%

Two or more races 0.6%

Group	Count	%
White	2,163	91.6%
Hispanic or Latino	93	3.9%
Other race	93	3.9%
Two or more races	13	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.1%	48.1%	44.4%
$50k – $100k	21.1%	31.2%	30.6%
$100k – $200k	9.9%	15.8%	19.1%
Over $200k	3.9%	4.8%	6.0%

Under $10k 1.0%

$10k–$15k 6.7%

$15k–$25k 1.1%

$25k–$35k 12.6%

$35k–$50k 24.6%

$50k–$75k 11.6%

$75k–$100k 12.5%

$100k–$150k 15.0%

$150k–$200k 7.0%

$200k+ 7.7%

Range	% of households
Under $10k	1.0%
$10k–$15k	6.7%
$15k–$25k	1.1%
$25k–$35k	12.6%
$35k–$50k	24.6%
$50k–$75k	11.6%
$75k–$100k	12.5%
$100k–$150k	15.0%
$150k–$200k	7.0%
$200k+	7.7%
Median income	$58,400

Housing

Home values

Under $50k 9.0%

$50k–$100k 3.7%

$100k–$150k 18.5%

$150k–$200k 11.9%

$200k–$300k 17.6%

$300k–$500k 25.2%

$500k–$1M 5.6%

$1M+ 8.5%

Housing overview

Metric	Value
Median home value	$226,400
Median rent / month	$768
Owner occupied	89.6%
Renter occupied	10.4%
Vacant	52.2%
Single-family detached	75.7%
Large apartment buildings	0.0%
Mobile homes	12.5%
Median rooms	4.6
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	0.0%
2010–2019	5.7%
2000–2009	13.8%
1990–1999	15.1%
1980–1989	22.3%
1970–1979	20.7%
1960–1969	11.2%
1950–1959	5.4%
1940–1949	2.5%
1939 or earlier	3.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	5.3%
2 bedrooms	29.3%
3 bedrooms	45.2%
4 bedrooms	15.0%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	15.0%
2 vehicles	55.0%
3 or more	27.5%

Heating fuel

Fuel type	%
Utility gas	1.2%
Electricity	53.1%
Propane / LP gas	22.8%
Fuel oil	5.7%
Wood	16.1%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	584	65.3%
Cohabiting couple	52	5.8%
Male householder, no spouse	147	16.4%
Female householder, no spouse	111	12.4%
Households with children under 18	259	29.0%
Households with seniors (65+)	360	40.3%
Average household size	2.54

Marital status

Status	Male	Female
Never married	26.3%	8.8%
Married	54.9%	73.5%
Separated	2.6%	0.0%
Widowed	6.9%	8.7%
Divorced	9.3%	9.0%

Education

Less than 9th grade 2.5%

Some HS, no diploma 7.6%

HS graduate 25.4%

Some college, no degree 24.6%

Associate's degree 8.2%

Bachelor's degree 23.4%

Graduate / professional 8.2%

Metric	%
HS diploma or higher	89.8%
Bachelor's or higher	31.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	58	11.9%
Kindergarten	30	6.1%
Elementary school	241	49.4%
High school	106	21.7%
College / grad school	53	10.9%

Employment

Industry of employment

Construction 20.5%

Retail trade 17.8%

Education & healthcare 16.3%

Professional & management 10.5%

Arts, food & hospitality 10.5%

Other services 6.3%

Manufacturing 5.8%

Finance & real estate 5.7%

Public administration 3.3%

Transportation & utilities 1.4%

Information 1.0%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	21.3%
Service	17.8%
Sales & office	30.8%
Natural resources & construction	22.4%
Production & transportation	7.7%

Employment type

Type	%
Private sector	65.9%
Government	12.5%
Self-employed	21.0%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	79.6%
Carpool	10.6%
Public transit	0.0%
Walk	0.0%
Work from home	9.1%
Other means	0.8%
Avg commute (minutes)	24.1

Poverty

All people 17.9%

Under 18 years 26.7%

18 and over 15.3%

Married-couple families 7.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	40.3%
Retirement income	22.0%
Supplemental Security	4.0%
Cash public assistance	0.6%
Food stamps / SNAP	13.9%

Health indicators

Condition	%
Obesity	29.6%
High blood pressure	37.1%
High cholesterol	40.0%
Diabetes	11.7%
Heart disease	8.5%
Stroke	3.8%
Asthma	8.9%
Arthritis	30.1%
Kidney disease	3.5%
Pulmonary disease	8.9%
Cancer	7.8%

Behavior / access	%
Smoking	19.8%
Binge drinking	15.0%
No physical activity	23.9%
Less than 7 hrs sleep	31.8%
Depression	23.5%
Fair or poor health	15.5%
Poor mental health	14.1%
Poor physical health	12.1%
No health insurance	17.3%
Visited doctor (checkup)	79.1%
Visited dentist	63.7%
Cholesterol screening	90.2%
Teeth loss	15.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	88	5.1%

Disability	%
Any disability	8.9%
Under 18	8.4%
18–64 years	7.9%
65 and over	11.8%

Health insurance coverage

Type	%
Private insurance	51.1%
Public insurance	42.1%
No insurance	22.3%
Uninsured under 19	12.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,194	96.7%
Spanish	32	1.5%
Other Indo-European	32	1.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,203	97.1%
Born in same state	2,197	96.8%
Born in different state	1,293	57.0%
Foreign born	6	0.3%
Naturalized citizen	66	2.9%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	825	36.4%
French	249	11%
Italian	168	7.4%

Ancestry	Count	%
English	20	0.9%
Polish	8	0.4%

Technology access

Metric	% of households
Computer access	39.4%
Internet access	96.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 28747

What city is ZIP code 28747 in?

ZIP code 28747 is primarily assigned to Lake Toxaway, North Carolina.

What county is ZIP code 28747 in?

ZIP code 28747 falls within Transylvania County, North Carolina.

Is ZIP code 28747 mostly owner-occupied?

90% of occupied units in ZIP code 28747 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 28747?

18% of residents in ZIP code 28747 live below the poverty line, above the national average.

Does ZIP code 28747 have a large retiree population?

40% of households in ZIP code 28747 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 28747?

ZIP code 28747 has an estimated population of 2,269 residents, with a density of 47 people per square mile.

What timezone is ZIP code 28747 in?

ZIP code 28747 observes the EST timezone.