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North Carolina ZIP Codes
Macon County
Otto, NC
28763
28763 ZIP Code — Otto, NC
Macon County, North Carolina
ZIP code 28763 is located in
Otto ,
North Carolina ,
within Macon County .
It covers approximately 55.64 square miles and serves a population of
2,660 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 828 .
About ZIP code 28763
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $243,900. Owner-occupancy is high at 76%, well above the national average.
Median household income is $61,953. 52% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.
Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.
Overall, ZIP code 28763 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
28763 ZIP code map
View map of 28763
Cities in ZIP code 28763
Below are the cities the US Postal Service accepts for ZIP code 28763. Using any city not on this list may result in mail delivery delays.
City
Status
Otto
Preferred
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
2,660
Population density
48 / sq mi
State FIPS
37
County FIPS
113
Geography
Land area
55.64 sq mi
Water area
0.09 sq mi
Latitude
35.0461
Longitude
-83.4046
Timezone
Eastern (ET)
Area code
828
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
33.8%
52.1%
44.4%
$50k – $100k
29.9%
30.5%
30.6%
$100k – $200k
28.8%
13.6%
19.1%
Over $200k
7.5%
3.9%
6.0%
Demographics & statistics
$61,953
Median household income
$243,900
Median home value
21.7%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 532 20.0% 18 and over 2,128 80.0% 65 and over 769 28.9% Median age 44.4 years
Race & ethnicity
Group Count % White 2,584 94.4% Hispanic or Latino 76 2.8% Other race 54 2% Two or more races 22 0.8%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
33.8%
52.1%
44.4%
$50k – $100k
29.9%
30.5%
30.6%
$100k – $200k
28.8%
13.6%
19.1%
Over $200k
7.5%
3.9%
6.0%
Range % of households Under $10k 4.9% $10k–$15k 3.0% $15k–$25k 10.7% $25k–$35k 6.7% $35k–$50k 14.0% $50k–$75k 25.4% $75k–$100k 20.9% $100k–$150k 6.1% $150k–$200k 5.5% $200k+ 2.7% Median income $61,953
Housing
Housing overview
Metric Value Median home value $243,900 Median rent / month $843 Owner occupied 76.2% Renter occupied 23.8% Vacant 34.6% Single-family detached 80.9% Large apartment buildings 0.0% Mobile homes 16.3% Median rooms 5.8 Avg household size (owned) 2.24
Year built
Era % 2020 or later 0.0% 2010–2019 4.3% 2000–2009 23.0% 1990–1999 20.5% 1980–1989 20.0% 1970–1979 6.5% 1960–1969 13.4% 1950–1959 6.2% 1940–1949 3.8% 1939 or earlier 2.3%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 5.6% 2 bedrooms 29.8% 3 bedrooms 47.9% 4 bedrooms 16.6% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 3.0% 1 vehicle 21.6% 2 vehicles 42.2% 3 or more 33.2%
Heating fuel
Fuel type % Electricity 52.2% Propane / LP gas 27.0% Fuel oil 12.4% Wood 8.4%
Households & families
Household type Count % Married-couple family 623 56.6% Cohabiting couple 142 12.9% Male householder, no spouse 101 9.2% Female householder, no spouse 235 21.3% Households with children under 18 367 33.3% Households with seniors (65+) 550 50.0% Average household size 2.42
Marital status
Status Male Female Never married 23.4% 15.7% Married 56.1% 58.2% Separated 2.7% 0.0% Widowed 1.8% 9.2% Divorced 15.9% 16.9%
Education
Some college, no degree
30.1%
Graduate / professional
5.6%
Metric % HS diploma or higher 91.4% Bachelor's or higher 21.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 207 55.8% High school 155 41.8% College / grad school 9 2.4%
Employment
Industry of employment
Education & healthcare
24.9%
Transportation & utilities
11.2%
Public administration
10.7%
Professional & management
9.9%
Agriculture & mining
6.8%
Finance & real estate
1.2%
Occupation
Category % Management, business & arts 25.7% Service 17.4% Sales & office 21.9% Natural resources & construction 9.0% Production & transportation 26.0%
Employment type
Type % Private sector 57.4% Government 35.4% Self-employed 7.1% Unpaid family workers 0.0%
Commute
Method % Drive alone 84.2% Carpool 5.7% Public transit 0.0% Walk 0.0% Work from home 0.0% Other means 10.0% Avg commute (minutes) 21.6
Poverty
Married-couple families
0.0%
Female-led households
63.2%
Income support
Source % of households Social Security 52.0% Retirement income 33.6% Supplemental Security 4.3% Cash public assistance 0.0% Food stamps / SNAP 15.3%
Health indicators
Condition % Obesity 32.6% High blood pressure 37.0% High cholesterol 40.1% Diabetes 11.9% Heart disease 8.6% Stroke 3.8% Asthma 8.9% Arthritis 30.3% Kidney disease 3.5% Pulmonary disease 8.7% Cancer 8.4%
Behavior / access % Smoking 18.4% Binge drinking 14.0% No physical activity 23.1% Less than 7 hrs sleep 30.3% Depression 23.2% Fair or poor health 14.9% Poor mental health 13.7% Poor physical health 11.9% No health insurance 16.2% Visited doctor (checkup) 79.5% Visited dentist 65.3% Cholesterol screening 91.4% Teeth loss 13.9%
Veterans & disability
Veterans Count % Civilian veterans 291 13.7%
Disability % Any disability 18.3% Under 18 0.0% 18–64 years 20.5% 65 and over 27.3%
Health insurance coverage
Type % Private insurance 73.8% Public insurance 42.1% No insurance 9.1% Uninsured under 19 5.7%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,490 93.6% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 2,571 96.7% Born in same state 2,571 96.7% Born in different state 1,269 47.7% Foreign born 0 0.0% Naturalized citizen 89 3.3% Not a US citizen 49 55.1%
Ancestry
Ancestry Count % French 591 22.2% Arab 528 19.8%
Ancestry Count % Italian 132 5%
Technology access
Metric % of households Computer access 41.4% Internet access 87.3%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 28763
What city is ZIP code 28763 in?
ZIP code 28763 is primarily assigned to Otto, North Carolina.
What county is ZIP code 28763 in?
ZIP code 28763 falls within Macon County, North Carolina.
Does ZIP code 28763 have an older population?
29% of residents in ZIP code 28763 are 65 or older, above the national average of ~17%.
Does ZIP code 28763 have a large retiree population?
52% of households in ZIP code 28763 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 28763 have a large veteran population?
14% of civilians in ZIP code 28763 are veterans, above the national average of ~7%.
What is the population of ZIP code 28763?
ZIP code 28763 has an estimated population of 2,660 residents, with a density of 48 people per square mile.
What timezone is ZIP code 28763 in?
ZIP code 28763 observes the EST timezone.
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