ZIP Code 22645 — Middletown town, VA Demographics & Data

ZIP code 22645 covers Middletown, VA in Frederick County with a population of about 4,344.

At a glance, the area shows median age of 44.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-6; the WASHINGTON, DC (HAGRSTWN) media market.

Middletown, VA sits in a university / college context (near laurel ridge community college (1.2 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 22645 is about $81,354 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 0.9%; 26.2% of adults with a bachelor’s degree or higher (about 7.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Manufacturing; about 10.7% of workers reporting work-from-home (about 4.5 points below 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 $389,100 — about 12% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $740 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 77.0% (about 11.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22645 in Middletown, VA, a household would need roughly $107,000 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 $2,499. That is about 32% above the local median household income ($81,354), 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.

FEMA’s National Risk Index rates natural-hazard risk for Middletown town, VA as Relatively Low (composite score 44.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (76.4) and flood (60.0). 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 Middletown town, VA show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 245 for ZIP 22645 (Middletown town, 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.