ZIP Code 23963 — undefined, VA Demographics & Data

ZIP code 23963 covers VA in Charlotte County with a population of about 448.

At a glance, the area shows median age of 35.6 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.

Median household income in ZIP 23963 is about $61,406 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.8%; unemployment rate near 10.0%; 27.0% of adults with a bachelor’s degree or higher (about 6.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Healthcare, and Professional services; about 42.5% of workers reporting work-from-home (about 27.3 points above the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $223,200 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.1% (about 21.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 23963 in VA, a household would need roughly $61,000 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 $1,434. That is roughly in line with the local median household income ($61,406). 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 17.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (74.1) and flood (19.8). 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 46.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 23963 (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.