ZIP Code 22401 — Fredericksburg city, VA Demographics & Data

ZIP code 22401 covers Fredericksburg, VA in Fredericksburg city with a population of about 28,201.

At a glance, the area shows median age of 31.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-7; the WASHINGTON, DC (HAGRSTWN) media market.

Fredericksburg, VA sits in a university / college context (near university of mary washington (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 22401 is about $85,432 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.0%; unemployment rate near 4.6%; 46.8% of adults with a bachelor’s degree or higher (about 13.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 14.3% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $461,600 — about 33% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,381 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 41.6% (about 23.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22401 in Fredericksburg, VA, a household would need roughly $127,000 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 $2,965. That is about 49% above the local median household income ($85,432), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Climate normals for Fredericksburg city, VA show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,591 for ZIP 22401 (Fredericksburg city, VA) 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.