ZIP Code 22902 — Charlottesville city, VA Demographics & Data

ZIP code 22902 covers Charlottesville, VA in Albemarle County with a population of about 24,396.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area code 434; U.S. House district VA-5; the CHARLOTTESVILLE media market.

Median household income in ZIP 22902 is about $91,162 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.7%; unemployment rate near 3.6%; 56.9% of adults with a bachelor’s degree or higher (about 23.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Healthcare; about 19.3% of workers reporting work-from-home (about 4.1 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 $392,800 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,430 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 52.7% (about 12.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22902 in Charlottesville, VA, a household would need roughly $108,000 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 $2,523. That is about 18% above the local median household income ($91,162), 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 Charlottesville city, VA as Relatively Low (composite score 78.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.1) and hurricane (82.6). 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 Charlottesville city, VA show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,377 for ZIP 22902 (Charlottesville 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.