ZIP Code 22963 — Lake Monticello CDP, VA Demographics & Data

ZIP code 22963 covers Lake Monticello, VA in Fluvanna County with a population of about 16,786.

At a glance, the area shows median age of 43.5 versus a U.S. median of about 38.9.

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

Median household income in ZIP 22963 is about $100,761 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 2.2%; 42.4% of adults with a bachelor’s degree or higher (about 8.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 15.4% of workers reporting work-from-home (roughly in line with 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 $294,600 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,179 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 92.3% (about 26.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22963 in Lake Monticello, VA, a household would need roughly $81,000 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 $1,892. That sits below the local median household income ($100,761), 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 Lake Monticello CDP, VA as Very Low (composite score 13.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (67.7) and flood (26.1). 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 Lake Monticello CDP, VA show little to no average snow and around 43.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 947 for ZIP 22963 (Lake Monticello 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.