ZIP Code 22405 — Falmouth CDP, VA Demographics & Data

ZIP code 22405 covers Falmouth, VA in Stafford County with a population of about 36,093.

At a glance, the area shows median age of 37.8 (near the U.S. median).

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

Median household income in ZIP 22405 is about $128,315 — about 71% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 3.3%; 44.0% of adults with a bachelor’s degree or higher (about 10.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Retail trade; about 17.4% of workers reporting work-from-home (about 2.2 points above 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 $413,100 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,654 (about 42% above the U.S. median rent ($1,163)), and owner-occupancy near 85.8% (about 20.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22405 in Falmouth, VA, a household would need roughly $114,000 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 $2,654. That sits below the local median household income ($128,315), 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 Falmouth CDP, VA as Relatively Low (composite score 65.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (77.5) and flood (75.5). 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 Falmouth CDP, VA show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,037 for ZIP 22405 (Falmouth CDP, 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.