PlainZIP

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
$190,703
Median income
$1,080,200
Median home value
76.2%
Bachelor's or higher

The verdict

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 is classified by USPS as a standard delivery area and covers roughly 34.8 square miles in Waterford, Loudoun County, Virginia. The area is home to 1,840 residents, producing a population density of 53 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 20197 against Virginia and the nation.

On the economic side, the median household income for ZIP 20197 sits at $190,703 (123% above the Virginia average), while per-capita income is $80,988. The poverty rate stands at 9.9% and the unemployment rate at 11.6%. On housing, the median home value is $1,080,200 (223% above the state average) with median rent at — per month, and 85.7% of occupied units are owner-occupied, a direct signal of whether 20197 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 76.2% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is —. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Loudoun County, so you can benchmark 20197 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 20197

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 20197.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20197?

48.1

Median Age

49.5%

Male

50.5%

Female

1.9%

Foreign-Born

White 94.8%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.2%
Hispanic or Latino 4.7%

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

$80,988

Per Capita Income

9.9%

Poverty Rate

11.6%

Unemployment Rate

How ZIP 20197 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$190,703 Top 1% higher than 99% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). This entry sits in this band. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 78.5%
Bachelor's Degree or Higher 76.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

746

Total Housing Units

671

Occupied Units

75

Vacant Units

2.72

Avg Household Size

Occupancy Type

Owner 85.7%
Renter 14.3%

$1,080,200

Median Home Value

+223% vs state

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.

residents

What this shows Among its immediate neighbors, ZIP 20197 ranks #7 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20197 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Loudoun County

20147 standard
Ashburn, VA
Pop: 54,086
20176 standard
Leesburg, VA
Pop: 46,506
20164 standard
Sterling, VA
Pop: 37,747
20165 standard
Sterling, VA
Pop: 32,383
20148 standard
Ashburn, VA
Pop: 28,310
20175 standard
Leesburg, VA
Pop: 27,169

Related Areas

Loudoun County Waterford, VA Virginia

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Waterford, VA

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.