ZIP Code 22949 — Lovingston CDP, VA Demographics & Data

ZIP code 22949 covers Lovingston, VA in Nelson County with a population of about 1,260.

At a glance, the area shows median age of 58.0 versus a U.S. median of about 38.9.

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

Lovingston, 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 22949 is about $50,234 — about 33% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.1%; unemployment rate near 3.4%; 29.9% of adults with a bachelor’s degree or higher (about 3.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Arts and entertainment, and Food services; about 25.8% of workers reporting work-from-home (about 10.6 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 $259,100 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 71.5% (about 6.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22949 in Lovingston, VA, a household would need roughly $71,000 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 $1,664. That is about 41% above the local median household income ($50,234), 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 Lovingston CDP, VA as Very Low (composite score 34.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (67.6) and flood (58.2). 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 Lovingston CDP, VA show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 71 for ZIP 22949 (Lovingston 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.