Residential delivery area · Virginia
ZIP Code 22520: Montross, VA
ZIP code 22520 uses the postal name Montross, Virginia and lies mostly in Westmoreland County (97% of its land) with the rest in Richmond County (Census 2020 ZIP-county file). About 4,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $71,487 (Census Bureau, ACS 2020-2024). By Census place, 1% of its land lies in Montross; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Montross · its only residential ZIP
- County
- Westmoreland County (97%); Richmond County (3%)
- Census places
- Montross
- House district
- VA-1 119th Congress
- State
- Virginia
- Time zone
- Eastern
- Land area
- 96.5 sq mi · 49 people per sq mi
Where is ZIP code 22520?
22520 centers on 38.119°, -76.812° and covers 96.5 square miles of land plus 11.9 of water. It borders 3 ZIP codes: 22469, 22443, 22572.
The map draws ZIP code areas only. For the streets inside 22520, 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 22520 compare with the rest of Westmoreland County?
| Measure | 22520 | In Westmoreland County | In VA |
|---|---|---|---|
| People (ACS 2020-2024) | 4,740 | 3rd of 7 | 370th of 903 |
| Median household income | $72k | 1st of 3 | 269th of 461 |
| Median home value | $286k | 1st of 3 | 302nd of 552 |
Its median household income is higher than in 49% of U.S. residential ZIP codes, and it is denser than 42% of all 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 22520?
The 2020 Census counted 5,659 people in 22520; the ACS, which samples households over 2020-2024, estimates 4,740. Between the 2010 and 2020 censuses its population grew 4.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,740±563 (90% margin)
- 2020 Census count
- 5,659+4.8% since 2010 (5,402)
- Households
- 2,079
- Median age
- 50.1
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 22520?
Of the 4,740 people the ACS estimates in 22520, 15.0% are under 18 and 28.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (61.7%), then Black (not Hispanic) (18.5%).
- Under 1815.0%
- 18 to 6456.4%
- 65 and older28.6%
- White, not Hispanic61.7%
- Black, not Hispanic18.5%
- Other or two or more11.3%
- Hispanic or Latino7.0%
- Asian, not Hispanic1.4%
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 22520 earn?
Median household income is $71,487 (ACS 2020-2024), the highest of the 3 ranked ZIP codes in Westmoreland County. It is not measurably different from 2015-2019 ($76,473 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $71,487±$11,496
- Income per person
- $43,729
- Below the poverty line
- 9.7%
- Unemployed (of the labor force)
- 9.3%
- Adults 25+ with a bachelor's degree
- 21.7%
- Adjusted gross income per tax return, 2022
- $73,4152,680 returns; wages 59% 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 22520?
FHFA's house price index for 22520, built from repeat sales and appraisals of the same homes, rose 71% from 2015 to 2025 and rose 53% from 2020 to 2025, and moved −2.1% in 2025.
- Median home value (owners' estimate)
- $286,400
- Median gross rent
- $974
- Homes owned by their occupants
- 83.4%
- Housing units
- 2,942
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 22520?
121 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)20
- Retail trade18
- Construction17
- Professional, scientific, and technical services12
- Accommodation and food services11
- Transportation and warehousing8
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 22520?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 22469 | Hague | 1,967 | $59k | 9.9 mi |
| 22443 | Colonial Beach | 10,011 | $65k | 10.1 mi |
| 22572 | Warsaw | 6,597 | $68k | 10.8 mi |
| 20626 | Coltons Point, MD | 284 | – | 8.6 mi (near) |
| 20625 | Cobb Island, MD | 849 | – | 9.8 mi (near) |
| 22529 | Oldhams | 200 | – | 10.0 mi (near) |
| 20661 | Mount Victoria, MD | 0 | – | 10.2 mi (near) |
| 20606 | Abell, MD | 291 | $88k | 10.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.