ZIP Code 24458 — McDowell CDP, VA Demographics & Data

ZIP code 24458 covers McDowell, VA in Highland County with a population of about 213.

At a glance, the area shows median age of 65.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-6; the ROANOKE - LYNCHBURG media market.

McDowell, VA fits a retirement-oriented profile (high share of residents 65+ (53.0%)). 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 24458 is about $52,738 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 9.2%; 14.3% of adults with a bachelor’s degree or higher (about 19.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Construction; a mean commute of about 69.0 minutes (U.S. average near 26.8).

Median home value is about $199,000 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 24458 in McDowell, VA, a household would need roughly $55,000 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 $1,278. That is roughly in line with the local median household income ($52,738). 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 McDowell CDP, VA as Very Low (composite score 2.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (42.3) and wildfire (13.3). 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 McDowell CDP, VA show little to no average snow and around 46.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 12 for ZIP 24458 (McDowell 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.