ZIP Code 22738 — undefined, VA Demographics & Data

ZIP code 22738 covers VA in Madison County with a population of about 848.

At a glance, the area shows median age of 43.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-7; the CHARLOTTESVILLE media market.

Median household income in ZIP 22738 is about $89,896 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 0.0%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Finance and insurance; about 23.5% of workers reporting work-from-home (about 8.3 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 $284,500 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.4% (about 29.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22738 in VA, a household would need roughly $78,000 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 $1,828. That sits below the local median household income ($89,896), 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 VA as Very Low (composite score 8.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (70.3) and wildfire (39.8). 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 VA show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 48 for ZIP 22738 (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.