ZIP Code 23109 — Mathews CDP, VA Demographics & Data

ZIP code 23109 covers Mathews, VA in Mathews County with a population of about 2,525.

At a glance, the area shows median age of 44.4 versus a U.S. median of about 38.9.

It sits in telephone area code 804; U.S. House district VA-1; the NORFOLK - PORTSMTH - NEWPT NWS media market.

Median household income in ZIP 23109 is about $69,418 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 14.1%; 27.4% of adults with a bachelor’s degree or higher (about 6.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Construction, and Healthcare; about 10.5% of workers reporting work-from-home (about 4.7 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 $262,700 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 23109 in Mathews, VA, a household would need roughly $72,000 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 $1,688. That is roughly in line with the local median household income ($69,418). 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 Mathews CDP, VA as Very Low (composite score 12.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (70.6) and wildfire (40.1). 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 Mathews CDP, VA show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 142 for ZIP 23109 (Mathews 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.