ZIP Code 24520 — Cluster Springs CDP, VA Demographics & Data

ZIP code 24520 covers Cluster Springs, VA in Halifax County with a population of about 2,225.

At a glance, the area shows median age of 58.2 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.

Cluster Springs, 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 24520 is about $39,773 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.9%; unemployment rate near 0.0%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Manufacturing; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $132,500 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $510 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 79.4% (about 14.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 24520 in Cluster Springs, VA, a household would need roughly $36,000 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 $851. That is roughly in line with the local median household income ($39,773). 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 Cluster Springs CDP, VA as Relatively Low (composite score 47.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.6) and flood (54.4). 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 Cluster Springs CDP, VA show little to no average snow and around 46.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 126 for ZIP 24520 (Cluster Springs 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.