28723 Zip Code (Cullowhee, NC) Detailed Profile

Estimated zip code population in 2022: 11,117
Zip code population in 2010: 11,329
Zip code population in 2000: 8,655

Houses and condos: 5,422
Renter-occupied apartments: 2,255
March 2022 cost of living index in zip code 28723: 89.5 (less than average, U.S. average is 100)

Land area: 111.8 sq. mi.
Water area: 2.2 sq. mi.

Population density: 99 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $970 (0.3%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $1,082 (0.3%)

For population 25 years and over in 28723:

• High school or higher: 93.4%
• Bachelor's degree or higher: 37.8%
• Graduate or professional degree: 18.2%
• Unemployed: 6.2%
• Mean travel time to work (commute): 20.4 minutes

For population 15 years and over in 28723:

• Never married: 67.7%
• Now married: 22.2%
• Separated: 0.9%
• Widowed: 2.9%
• Divorced: 6.2%

• 
• • 9,05881.5%White
  • 8787.9%Hispanic or Latino
  • 6315.7%Black
  • 2482.2%Two or more races
  • 1411.3%Asian
  • 1161.0%American Indian
  • 390.4%Some other race
  • 30.03%Native Hawaiian and Other
    Pacific Islander

Urban population: 5,247
Rural population: 5,869

Averages for the 2020 tax year for zip code 28723, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $48,153 (Individual Income Tax Returns)

Here:	$48,153
State:	$70,020

Salary/wage: $38,227 (reported on 79.8% of returns)

Here:	$38,227
State:	$58,387

(% of AGI for various income ranges: 1129.7% for AGIs below $25k, 3583.8% for AGIs $25k-50k, 6124.1% for AGIs $50k-75k, 9125.4% for AGIs $75k-100k, 18318.5% for AGIs $100k-200k, 61650.0% for AGIs over 200k)

Taxable interest for individuals: $1,111 (reported on 31.7% of returns)

This zip code:	$1,111
North Carolina:	$1,479

(% of AGI for various income ranges: 10.4% for AGIs below $25k, 23.2% for AGIs $25k-50k, 67.7% for AGIs $50k-75k, 116.2% for AGIs $75k-100k, 311.5% for AGIs $100k-200k, 720.0% for AGIs over 200k)

Ordinary dividends: $5,247 (reported on 14.4% of returns)

Here:	$5,247
State:	$7,888

(% of AGI for various income ranges: 14.4% for AGIs below $25k, 26.8% for AGIs $25k-50k, 96.4% for AGIs $50k-75k, 159.2% for AGIs $75k-100k, 539.2% for AGIs $100k-200k, 4625.0% for AGIs over 200k)

Net capital gain/loss in AGI: +$16,256 (reported on 13.8% of returns)

Here:	+$16,256
State:	+$23,652

(% of AGI for various income ranges: 3.3% for AGIs below $25k, 21.3% for AGIs $25k-50k, 92.7% for AGIs $50k-75k, 375.4% for AGIs $75k-100k, 1133.8% for AGIs $100k-200k, 23300.0% for AGIs over 200k)

Profit/loss from business: +$12,500 (reported on 16.7% of returns)

Here:	+$12,500
State:	+$11,710

(% of AGI for various income ranges: 147.4% for AGIs below $25k, 211.5% for AGIs $25k-50k, 372.3% for AGIs $50k-75k, 178.5% for AGIs $75k-100k, 1053.1% for AGIs $100k-200k, 6095.0% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $23,855 (reported on 7.1% of returns)

28723:	$23,855
North Carolina:	$20,247

(% of AGI for various income ranges: 20.3% for AGIs below $25k, 31.2% for AGIs $25k-50k, 261.8% for AGIs $50k-75k, 453.8% for AGIs $75k-100k, 1213.8% for AGIs $100k-200k, 10490.0% for AGIs over 200k)

Total itemized deductions: $36,662 (reported on 4.2% of returns)

Here:	$36,662
State:	$34,549

(% of AGI for various income ranges: 663.2% for AGIs $50k-75k, 1122.3% for AGIs $100k-200k, 9240.0% for AGIs over 200k)

Charity contributions: $12,300 (reported on 3.5% of returns)

Here:	$12,300
State:	$13,360

(% of AGI for various income ranges: 192.7% for AGIs $50k-75k, 341.5% for AGIs $100k-200k, 2425.0% for AGIs over 200k)

Taxes paid: $6,400 (reported on 4.2% of returns)

28723:	$6,400
State:	$7,586

(% of AGI for various income ranges: 4.9% for AGIs below $25k, 67.7% for AGIs $50k-75k, 268.5% for AGIs $100k-200k, 1405.0% for AGIs over 200k)

Earned income credit: $2,050 (reported on 13.5% of returns)

Here:	$2,050
State:	$2,337

(% of AGI for various income ranges: 50.8% for AGIs below $25k, 52.0% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 92.0%

Here:	92%
State:	93%

(% for various income ranges: 93.6% for AGIs below $25k, 92.3% for AGIs $25k-50k, 91.2% for AGIs $50k-75k, 91.3% for AGIs $75k-100k, 89.7% for AGIs $100k-200k, 75.0% for AGIs over 200k)

Averages for the 2012 tax year for zip code 28723, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $40,620 (Individual Income Tax Returns)

Here:	$40,620
State:	$54,937

Salary/wage: $33,370 (reported on 82.3% of returns)

Here:	$33,370
State:	$46,336

(% of AGI for various income ranges: 76.2% for AGIs below $25k, 76.3% for AGIs $25k-50k, 70.8% for AGIs $50k-75k, 60.6% for AGIs $75k-100k, 64.5% for AGIs $100k-200k, 50.0% for AGIs over 200k)

Taxable interest for individuals: $904 (reported on 37.7% of returns)

This zip code:	$904
North Carolina:	$1,298

(% of AGI for various income ranges: 0.7% for AGIs below $25k, 1.0% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 1.0% for AGIs $100k-200k, 0.6% for AGIs over 200k)

Ordinary dividends: $4,400 (reported on 15.5% of returns)

Here:	$4,400
State:	$6,213

(% of AGI for various income ranges: 0.9% for AGIs below $25k, 0.7% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 4.7% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$2,078 (reported on 13.6% of returns)

Here:	+$2,078
State:	+$12,740

(% of AGI for various income ranges: 0.7% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.3% for AGIs $100k-200k)

Profit/loss from business: +$6,396 (reported on 19.2% of returns)

Here:	+$6,396
State:	+$10,311

(% of AGI for various income ranges: 9.0% for AGIs below $25k, 4.0% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 1.7% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $12,288 (reported on 9.1% of returns)

28723:	$12,288
North Carolina:	$15,575

(% of AGI for various income ranges: 2.0% for AGIs below $25k, 2.0% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 4.1% for AGIs $75k-100k, 3.9% for AGIs $100k-200k)

Total itemized deductions: $20,589 (23% of AGI, reported on 23.0% of returns)

Here:	$20,589
State:	$23,438

Here:	23.4% of AGI
State:	21.5% of AGI

(% of AGI for various income ranges: 6.0% for AGIs below $25k, 8.4% for AGIs $25k-50k, 12.3% for AGIs $50k-75k, 13.4% for AGIs $75k-100k, 15.3% for AGIs $100k-200k, 13.3% for AGIs over 200k)

Charity contributions: $4,233 (reported on 19.2% of returns)

Here:	$4,233
State:	$4,687

(% of AGI for various income ranges: 0.7% for AGIs below $25k, 1.0% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 3.1% for AGIs $100k-200k, 2.7% for AGIs over 200k)

Taxes paid: $6,192 (reported on 23.0% of returns)

28723:	$6,192
State:	$8,823

(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.6% for AGIs $25k-50k, 3.3% for AGIs $50k-75k, 4.1% for AGIs $75k-100k, 5.2% for AGIs $100k-200k, 6.4% for AGIs over 200k)

Earned income credit: $1,969 (reported on 18.1% of returns)

Here:	$1,969
State:	$2,376

(% of AGI for various income ranges: 4.8% for AGIs below $25k, 1.2% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 47.2%

Here:	47%
State:	53%

(% for various income ranges: 41.2% for AGIs below $25k, 50.0% for AGIs $25k-50k, 54.8% for AGIs $50k-75k, 55.0% for AGIs $75k-100k, 55.0% for AGIs $100k-200k, 66.7% for AGIs over 200k)

Averages for the 2004 tax year for zip code 28723, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $37,018 (Individual Income Tax Returns)

Here:	$37,018
State:	$45,376

Salary/wage: $31,295 (reported on 85.4% of returns)

Here:	$31,295
State:	$39,442

(% of AGI for various income ranges: 93.3% for AGIs below $10k, 79.8% for AGIs $10k-25k, 78.9% for AGIs $25k-50k, 75.7% for AGIs $50k-75k, 68.0% for AGIs $75k-100k, 61.1% for AGIs over 100k)

Taxable interest for individuals: $1,189 (reported on 46.9% of returns)

This zip code:	$1,189
North Carolina:	$1,515

(% of AGI for various income ranges: 2.0% for AGIs below $10k, 1.8% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Taxable dividends: $2,414 (reported on 19.2% of returns)

Here:	$2,414
State:	$4,016

(% of AGI for various income ranges: 1.4% for AGIs below $10k, 0.9% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.7% for AGIs over 100k)

Net capital gain/loss: +$9,653 (reported on 15.1% of returns)

Here:	+$9,653
State:	+$11,152

(% of AGI for various income ranges: 0.3% for AGIs below $10k, -0.4% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 12.1% for AGIs over 100k)

Profit/loss from business: +$7,847 (reported on 19.3% of returns)

Here:	+$7,847
State:	+$9,490

(% of AGI for various income ranges: 6.0% for AGIs below $10k, 6.8% for AGIs $10k-25k, 5.6% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 4.3% for AGIs over 100k)

IRA payment deduction: $2,901 (reported on 2.8% of returns)

28723:	$2,901
North Carolina:	$2,967

Total itemized deductions: $19,236 (25% of AGI, reported on 24.7% of returns)

Here:	$19,236
State:	$19,464

Here:	24.8% of AGI
State:	22.7% of AGI

(% of AGI for various income ranges: 6.2% for AGIs below $10k, 6.6% for AGIs $10k-25k, 10.1% for AGIs $25k-50k, 12.8% for AGIs $50k-75k, 14.4% for AGIs $75k-100k, 17.5% for AGIs over 100k)

Charity contributions deductions: $3,660 (5% of AGI, reported on 20.8% of returns)

Here:	$3,660
State:	$4,035

Here:	4.7% of AGI
State:	4.5% of AGI

(% of AGI for various income ranges: 1.0% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 2.3% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 2.7% for AGIs over 100k)

Total tax: $5,068 (reported on 72.9% of returns)

28723:	$5,068
State:	$7,257

(% of AGI for various income ranges: 2.2% for AGIs below $10k, 4.7% for AGIs $10k-25k, 7.0% for AGIs $25k-50k, 8.8% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 15.9% for AGIs over 100k)

Earned income credit: $1,506 (reported on 15.8% of returns)

Here:	$1,506
State:	$1,851

Percentage of individuals using paid preparers for their 2004 taxes: 54.1%

Here:	54%
State:	62%

(% for various income ranges: 41.1% for AGIs below $10k, 57.8% for AGIs $10k-25k, 59.2% for AGIs $25k-50k, 59.9% for AGIs $50k-75k, 55.9% for AGIs $75k-100k, 64.9% for AGIs over 100k)

Nearest zip codes: 28783, 28707, 28736, 28786, 28708, 28747.
Cullowhee Zip Code Map

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 1.0% of all households
• Gay men: 0.6% of all households

Household received Food Stamps/SNAP in the past 12 months: 193
Household did not receive Food Stamps/SNAP in the past 12 months: 3,567

Women who had a birth in the past 12 months: 31 (32 now married, 0 unmarried)
Women who did not have a birth in the past 12 months: 4,082 (418 now married, 3,635 unmarried)

Housing units in zip code 28723 with a mortgage: 720 (17 second mortgage, 6 both second mortgage and home equity loan)
Houses without a mortgage: 44

Median monthly owner costs for units with a mortgage: $1,113
Median monthly owner costs for units without a mortgage: $328

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 28723 household income distribution in 2022

• 444Less than $10,000
• 361$10,000 to $14,999
• 160$15,000 to $19,999
• 101$20,000 to $24,999
• 77$25,000 to $29,999
• 233$30,000 to $34,999
• 313$35,000 to $39,999
• 236$40,000 to $44,999
• 188$45,000 to $49,999
• 379$50,000 to $59,999
• 337$60,000 to $74,999
• 371$75,000 to $99,999
• 238$100,000 to $124,999
• 133$125,000 to $149,999
• 142$150,000 to $199,999
• 61$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 28723

• 21Less than $10,000
• 27$15,000 to $19,999
• 12$50,000 to $59,999
• 7$70,000 to $79,999
• 16$90,000 to $99,999
• 33$100,000 to $124,999
• 61$125,000 to $149,999
• 47$150,000 to $174,999
• 75$175,000 to $199,999
• 164$200,000 to $249,999
• 156$250,000 to $299,999
• 443$300,000 to $399,999
• 165$400,000 to $499,999
• 115$500,000 to $749,999
• 40$750,000 to $999,999
• 107$1,000,000 to $1,499,999
• 10$1,500,000 to $1,999,999
• 84$2,000,000 or more

• Rent paid by renters in 2022 in zip code 28723

• 7$100 to $149
• 26$250 to $299
• 14$350 to $399
• 29$400 to $449
• 100$450 to $499
• 103$500 to $549
• 91$550 to $599
• 284$600 to $649
• 154$650 to $699
• 212$700 to $749
• 101$750 to $799
• 195$800 to $899
• 123$900 to $999
• 184$1,000 to $1,249
• 129$1,250 to $1,499
• 193$1,500 to $1,999
• 124$2,000 to $2,499
• 113No cash rent

Median gross rent in 2022: $864.

Median price asked for vacant for-sale houses and condos in 2022: $233,832.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $377,300
• Black or African American householders: $1,097,331
• American Indian or Alaska Native householders: $214,001
• Two or more races householders: $617,310

Estimated median house or condo value in 2022: $363,143 Lower value quartile - upper value quartile: $228,590 - $475,891

Mean price in 2022:

Detached houses: $453,237

Here:	$453,237
State:	$375,326

Mobile homes: $135,048

Here:	$135,048
State:	$124,933

Housing units in structures:

• One, detached: 3,030
• One, attached: 29
• Two: 121
• 3 or 4: 276
• 5 to 9: 159
• 10 to 19: 394
• 20 to 49: 731
• 50 or more: 223
• Mobile homes: 518

Unemployment: 6.2%

• Means of transportation to work in zip code 28723

• 73.5%3,798Drove a car alone
• 9.7%504Carpooled
• 0.3%17Motorcycle
• 9.1%469Walked
• 0.3%14Other means
• 4.1%211Worked at home

• Travel time to work (commute) in zip code 28723

• 333Less than 5 minutes
• 8975 to 9 minutes
• 82810 to 14 minutes
• 79615 to 19 minutes
• 35020 to 24 minutes
• 17125 to 29 minutes
• 70630 to 34 minutes
• 6535 to 39 minutes
• 7240 to 44 minutes
• 32145 to 59 minutes
• 16760 to 89 minutes
• 5090 or more minutes

Percentage of zip code residents living and working in this county: 83.0%

Household type by relationship:

Households: 11,117

• Male householders: 2,034 (729 living alone), Female householders: 1,751 (632 living alone)

• 1,092 spouses (1,092 opposite-sex spouses), 276 unmarried partners, (241 opposite-sex unmarried partners), 895 children (864 natural, 1 adopted, 31 stepchildren), 183 grandchildren, 24 brothers or sisters, 41 parents, 0 foster children, 11 other relatives, 1,309 non-relatives

• In group quarters: 3,356 (-1 institutionalized population)

Size of family households: 887 2-persons, 226 3-persons, 140 4-persons, 105 5-persons, 11 6-persons

Size of nonfamily households: 1,361 1-person, 639 2-persons, 204 3-persons, 147 4-persons, 48 5-persons

407 married couples with children.
214 single-parent households (214 women).

91.0% of residents of 28723 zip code speak English at home.
7.2% of residents speak Spanish at home (43% very well, 21% well, 29% not well, 6% not at all).
0.7% of residents speak other Indo-European language at home (76% very well, 8% well, 16% not well).
0.3% of residents speak Asian or Pacific Island language at home (45% very well, 21% well, 34% not well).
0.4% of residents speak other language at home (37% very well, 63% well).

Facilities with environmental interests located in this zip code:

• CULLOWHEE VALLEY SCHOOL (240 WISDOM DRIVE in CULLOWHEE, NC)

  STATE MASTER (North Carolina facility info) - UNDERGROUND STORAGE TANK PROGRAM
  (National Center for Education Statistics) - STATE ID-304
  Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS
  Organizations: JACKSON COUNTY SCHOOLS (SCHOOL DISTRICT)
  

• CULLOWHEE VALLEY BAPTIST CHURCH (TILLEY CREEK ROAD BO COVE R in CULLOWHEE, NC)

  STATE MASTER (North Carolina facility info) - -115DA4YG00SX0D64FBENR7MQ18, WASTEWATER FACILITY
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: RELIGIOUS ORGANIZATIONS
  

Housing units lacking complete plumbing facilities: 0.3%
Housing units lacking complete kitchen facilities: 0.5%

Population in 1990: 2,886. Population change in the 1990s: +5,769 (+199.9%).

Place of birth for U.S.-born residents:

• This state: 6,187
• Northeast: 638
• Midwest: 736
• South: 2,388
• West: 387

42% of the 28723 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 22% lived in this county.
   Out of people who lived in different counties, 50% lived in North Carolina.

82% of the 28723 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 18% moved from this county.
   Out of people who lived in different houses, 63% moved from different county within same state.
   Out of people who lived in different houses, 20% moved from different state.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 83
Students in private schools in grades 9 to 12 (high school): 1 Students in private undergraduate colleges: 159

Companies with federal contracts located in this zip code:

• WESTERN CAROLINA UNIVERSITY (340 H F ROBINSN BLDG 340 in CULLOWHEE, NC)

  $10,000 with Indian Affairs (Assistant Secretary) for Other Education and Training Services. Signed on 2001-06-15. Completion date: 2001-07-15.

Top industries in this zip code by the number of employees in 2005:

• Accommodation and Food Services: Food Service Contractors (100-249 employees: 1 establishment, 10-19 employees: 1 establishment)
• Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 10-19: 1, 5-9: 1)
• Construction: New Single-Family Housing Construction (except Operative Builders) (10-19: 1, 5-9: 4, 1-4: 3)
• Accommodation and Food Services: Full-Service Restaurants (20-49: 1, 1-4: 1)
• Construction: Site Preparation Contractors (10-19: 1, 5-9: 1, 1-4: 1)
• Other Services (except Public Administration): Religious Organizations (5-9: 2, 1-4: 2)
• Health Care and Social Assistance: Child Day Care Services (10-19: 1, 1-4: 1)
• Construction: Residential Remodelers (5-9: 1, 1-4: 4)

2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents

According to the data from the years 2002 - 2018 the average number of fires per year is 22. The highest number of fire incidents - 48 took place in 2008, and the least - 1 in 2004. The data has a dropping trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (61.0%), and Outside Fires (21.9%).


• Fire incident types reported to NFIRS in Zip Code 28723
• 22861.0%Structure Fires
• 8221.9%Outside Fires
• 4612.3%Mobile Property/Vehicle Fires
• 184.8%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 28723, North Carolina

Most common first names in zip code 28723 among deceased individuals
Name	Count	Lived (average)
William	38	77.7 years
John	30	74.5 years
Mary	26	83.0 years
Robert	21	72.3 years
James	21	76.1 years
Ruth	15	74.3 years
Charles	13	70.8 years
Margaret	12	80.9 years
David	12	70.9 years
Henry	10	78.4 years

Most common last names in zip code 28723 among deceased individuals
Last name	Count	Lived (average)
Hooper	36	80.9 years
Bryson	30	78.8 years
Brown	23	77.8 years
Watson	21	74.3 years
Stephens	21	80.6 years
Coggins	20	70.1 years
Stewart	20	78.9 years
Adams	16	79.3 years
Queen	16	76.5 years
Crawford	15	79.9 years

Businesses in zip code 28723
Name	Count		Name	Count
Chick-Fil-A	1		U-Haul	1
Panda Express	1		UPS	1
Starbucks	1