With newer AC technologies, your router may be consuming 4 (80MHz), or 4+4 (160MHz) channels in that band, which does make it more highly utilized. InSSIDer may not show that, and may only report the control channel.
Fortunately, 5GHz range is nowhere near 2.4GHz, which may help. One thing to look for is overall "utilization" and how that's represented with the noise and SNR value on each channel. If you're seeing high noise floors on specific channels (i.e. -60dBm vs -85dBm), or SNR at just 10-15dB, then that channel is nearby and probably highly utilized and you should avoid it. You may need to turn to laptop tools to get those types of values, however.
On the flip side, 2.4GHz suffers, especially in apartment complexes, from other sources of interference. Baby monitors, cordless phones, and leaky microwave ovens are a nightmare. That, and neighbors who think using 40 or 60MHz of bandwidth on 2.4GHz is an okay thing to do in congested spaces.