Waterford, VA · standard
ZIP Code 20197
Loudoun County, Virginia - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,840
- 53/sq mi Moderate-density area
- $190,703
- Median income Above-median income area
- $1,080,200
- Median home value Above-median home value
- 76.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Waterford pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 1%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 53
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20197 against every reporting US ZIP.
ZIP code 20197 covers 34.8 square miles in Waterford, Loudoun County, Virginia (a standard USPS delivery area), with a modest 1,840 residents on file, a density of 53 people per square mile, in the New York time zone.
ZIP 20197 skews affluent, with a median household income of $190,703 (123% above the average Virginia ZIP), while per-capita income is $80,988. Unemployment is 11.6%, an important qualifier alongside the household-income figure. Housing is both higher-cost and owner-heavy: median home value is $1,080,200 (223% above the average Virginia ZIP), while 85.7% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 76.2% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is -. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Loudoun County, so 20197 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 20197
Top 5 sectors by establishment count in Waterford, VA
Which industries have the most business establishments in ZIP 20197.
- Professional, scientific, and technical services
Professional, scientific, and technical services
18 establishments
- Real estate and rental and leasing 7
Real estate and rental and leasing
7 establishments
- Administrative and support and waste management and remediation services 4
Administrative and support and waste management and remediation services
4 establishments
- Educational services 4
Educational services
4 establishments
- Accommodation and food services 4
Accommodation and food services
4 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20197, Waterford, VA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
1,840
Population
34.8
Area (sq mi)
53
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20197?
48.1
Median Age
49.5%
Male
50.5%
Female
1.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$190,703
Median Household Income
+123% vs state ZIP avg
$80,988
Per Capita Income
9.9%
Poverty Rate
11.6%
Unemployment Rate
How ZIP 20197 ranks among Virginia ZIPs
Waterford, VA household income vs. every Virginia ZIP code
Median household income among 804 reporting Virginia ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$190,703 Top 4% higher than 96% of 804 Virginia ZIPs
Each bar is a $20K-wide band; taller bars hold more Virginia ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
746housing units
746
Total Housing Units
671
Occupied Units
75
Vacant Units
2.72
Avg Household Size
Occupancy Type
$1,080,200
Median Home Value
+223% vs state ZIP avg
1993
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+29.4%
YoY Change (2022)
218
HPI Index (2000 = 100)
+118%
Total Change Since 2000
Home values in ZIP 20197 have increased 29.4% over the past year (2022). Since 2000, this ZIP has seen +118% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | +5.7% | 149 |
| 2019 | +3.8% | 155 |
| 2020 | -1.9% | 152 |
| 2021 | +11.2% | 169 |
| 2022 | +29.4% | 218 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 56 business establishments in ZIP 20197, employing approximately 214 people with a combined annual payroll of $11,222,000.
56
Businesses
214
Employees
$11.2M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 18 | 32.1% |
| Real estate and rental and leasing | 7 | 12.5% |
| Administrative and support and waste management and remediation services | 4 | 7.1% |
| Educational services | 4 | 7.1% |
| Accommodation and food services | 4 | 7.1% |
| Construction | 3 | 5.4% |
| Manufacturing | 3 | 5.4% |
| Health care and social assistance | 3 | 5.4% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 20197 vs 20129 →
ZIP 20197 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20176
Leesburg (20176)
46,506 residents
- 20175
Leesburg (20175)
27,169 residents
- 20132 15,900
Purcellville (20132)
15,900 residents
- 20180 6,549
Lovettsville (20180)
6,549 residents
- 21716 4,885
Brunswick (21716)
4,885 residents
- 20158 4,288
Hamilton (20158)
4,288 residents
- 20197 1,840
Waterford (20197)
1,840 residents
- 21777 1,470
Point Of Rocks (21777)
1,470 residents
- 20129 618
Paeonian Springs (20129)
618 residents
What this shows Among its immediate neighbors, ZIP 20197 ranks #7 by population - useful context the national average alone can't give.
ZIP 20197 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20129
Paeonian Springs (20129)
$250,000 median income
- 20158
Hamilton (20158)
$211,522 median income
- 20197
Waterford (20197)
$190,703 median income
- 20132
Purcellville (20132)
$181,875 median income
- 20175
Leesburg (20175)
$174,854 median income
- 20176
Leesburg (20176)
$168,299 median income
- 21777
Point Of Rocks (21777)
$159,708 median income
- 20180
Lovettsville (20180)
$151,483 median income
- 21716
Brunswick (21716)
$109,382 median income
What this shows By household income, ZIP 20197 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20129 | Paeonian Springs, VA | 618 | 2.6 mi |
| 20158 | Hamilton, VA | 4,288 | 4.2 mi |
| 20180 | Lovettsville, VA | 6,549 | 5.1 mi |
| 20176 | Leesburg, VA | 46,506 | 4.9 mi |
| 21716 | Brunswick, MD | 4,885 | 8.3 mi |
| 20132 | Purcellville, VA | 15,900 | 5.7 mi |
| 20175 | Leesburg, VA | 27,169 | 9.5 mi |
| 21777 | Point Of Rocks, MD | 1,470 | 7.6 mi |
| 21790 | Tuscarora, MD | 100 | 8.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20197, both outside VA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,840 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Loudoun County
Related Areas
Frequently Asked Questions
What county is ZIP code 20197 in?
ZIP code 20197 (Waterford) is located in Loudoun County, Virginia. Loudoun County contains multiple ZIP codes, see the full list at /counties/loudoun-va.
What is the population of ZIP code 20197?
ZIP code 20197 in Waterford, VA has a population of 1,840 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20197?
The median household income in ZIP 20197 is $190,703, which is 150% above the national average of $76,288.
What is the average home value in ZIP 20197?
The median home value in ZIP 20197 is $1,080,200, which is 288% above the national average of $278,155.
What is the demographic makeup of ZIP 20197?
The largest racial group in ZIP 20197 is White at 94.8%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 20197?
ZIP code 20197 has 56 business establishments employing approximately 214 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20197?
The top industries by establishment count in ZIP 20197 are: Professional, scientific, and technical services (18), Real estate and rental and leasing (7), Administrative and support and waste management and remediation services (4). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 20197?
According to the FHFA House Price Index, home values in ZIP 20197 increased by 29.4% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 118%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20197?
In ZIP code 20197, 78.5% of residents aged 25+ have a high school diploma or higher, and 76.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 20197?
In ZIP code 20197, approximately 85.7% of occupied housing units are owner-occupied and 14.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20197?
The poverty rate in ZIP code 20197 is 9.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 20197's numbers, next.
- See how ZIP 20197 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterford, VA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.