Residential delivery area · Virginia
ZIP Code 20197: Waterford, VA
ZIP code 20197 uses the postal name Waterford, Virginia and lies entirely in Loudoun County (Census 2020 ZIP-county file). About 1,800 people live there (Census Bureau, ACS 2020-2024). Median household income is $190,703 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Waterford (a census-designated place); 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2022
- ZBP2023
- IRS2022
- Town
- Waterford · its only residential ZIP
- County
- Loudoun County
- Census places
- Waterford census-designated place
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- House district
- VA-10 119th Congress
- State
- Virginia
- Time zone
- Eastern
- Land area
- 14.7 sq mi · 124 people per sq mi
Where is ZIP code 20197?
20197 centers on 39.195°, -77.628° and covers 14.7 square miles of land plus 0.1 of water. It borders 5 ZIP codes: 20129, 20158, 20180, 20176, 20132.
The map draws ZIP code areas only. For the streets inside 20197, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 20197 compare with the rest of Loudoun County?
| Measure | 20197 | In Loudoun County | In VA |
|---|---|---|---|
| People (ACS 2020-2024) | 1,825 | 17th of 20 | 534th of 903 |
| Median household income | $191k | not ranked | not ranked |
| Median home value | $1.08M | 1st of 17 | 7th of 552 |
20197's median household income is not ranked: its 90% margin of error (±$155,631) is more than a quarter of the figure ($190,703). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 57% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 20197?
The 2020 Census counted 2,558 people in 20197; the ACS, which samples households over 2020-2024, estimates 1,825. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 1,825±558 (90% margin)
- 2020 Census count
- 2,558
- Households
- 671
- Median age
- 48.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 20197?
Of the 1,825 people the ACS estimates in 20197, 24.9% are under 18 and 20.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.2%).
- Under 1824.9%
- 18 to 6454.9%
- 65 and older20.2%
- White, not Hispanic94.2%
- Hispanic or Latino4.7%
- Other or two or more1.1%
- Black, not Hispanic0.0%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 20197 earn?
Median household income is $190,703 (ACS 2020-2024).
- Median household income
- $190,703±$155,631
- Income per person
- $80,988
- Below the poverty line
- 9.9%
- Unemployed (of the labor force)
- 11.6%
- Adults 25+ with a bachelor's degree
- 76.2%
- Adjusted gross income per tax return, 2022
- $230,1211,220 returns; wages 62% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 20197?
- Median home value (owners' estimate)
- $1,080,200
- Median gross rent
- –
- Homes owned by their occupants
- 85.7%
- Housing units
- 746
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 20197?
56 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services18
- Real estate and rental and leasing7
- Administrative and support and waste management and remediation services4
- Educational services4
- Accommodation and food services4
- Construction3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 20197?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 20129 | Paeonian Springs | 538 | $250k+ | 2.9 mi |
| 20158 | Hamilton | 4,979 | $212k | 4.2 mi |
| 20180 | Lovettsville | 7,531 | $152k | 5.1 mi |
| 20176 | Leesburg | 51,471 | $168k | 5.2 mi |
| 20132 | Purcellville | 19,817 | $182k | 5.7 mi |
| 21777 | Point Of Rocks, MD | 2,462 | $160k | 7.9 mi (near) |
| 21790 | Tuscarora, MD | 170 | $78k | 8.2 mi (near) |
| 21716 | Brunswick, MD | 7,200 | $109k | 8.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.