ZIP Code 05862 — Peacham CDP, VT Demographics & Data

ZIP code 05862 covers Peacham, VT in Caledonia County with a population of about 412.

At a glance, the area shows median age of 53.4 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Median household income in ZIP 05862 is about $93,594 — about 25% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 5.5%; 50.2% of adults with a bachelor’s degree or higher (about 16.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 7.0% of workers reporting work-from-home (about 8.2 points below the U.S. share (15.2%)); a mean commute of about 160.0 minutes (U.S. average near 26.8).

Median home value is about $253,800 — about 27% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.7% (about 20.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05862 in Peacham, VT, a household would need roughly $70,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,630. That sits below the local median household income ($93,594), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Peacham CDP, VT as Very Low (composite score 30.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (71.3) and flood (52.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Peacham CDP, VT show little to no average snow and around 41.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 05862 (Peacham CDP, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.