ZIP Code 22654 — undefined, VA Demographics & Data

ZIP code 22654 covers VA in Frederick County with a population of about 993.

At a glance, the area shows median age of 57.6 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.

VA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 22654 is about $72,500 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.9%; unemployment rate near 0.0%; 12.5% of adults with a bachelor’s degree or higher (about 21.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Other services, and Retail trade; about 12.5% of workers reporting work-from-home (about 2.7 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 $384,000 — about 10% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22654 in VA, a household would need roughly $106,000 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 $2,467. That is about 46% above the local median household income ($72,500), 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 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 VA show little to no average snow and around 37.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 56 for ZIP 22654 (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.