PlainZIP

Montross, VA · standard

ZIP Code 22520

Westmoreland County, Virginia - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,402
23/sq mi
$71,487
Median income
$286,400
Median home value
21.7%
Bachelor's or higher

The verdict

Montross pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

49th pct
household income, US ZIPs
Top 36%
home value, US ZIPs
23
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 22520 against every reporting US ZIP.

ZIP code 22520 is a mid-sized community (a standard USPS delivery area) in Montross, Westmoreland County, Virginia, home to 5,402 residents across 236.9 square miles, a density of 23 people per square mile, in the New York time zone.

ZIP 22520 lands in the middle-income range, with a median household income of $71,487 (16% below the Virginia average), while per-capita income is $43,729. 9.7% of residents live below the poverty line, and the unemployment rate reads 9.3%. On housing, the median home value is $286,400 (14% below the state average) with median rent at $974 per month, and 83.4% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 21.7% of adults hold a bachelor's degree or higher, the median age is 50.1, and the average commute is 45 minutes. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 4 more sharing Westmoreland County, letting you compare 22520 to its immediate surroundings rather than a national baseline alone.

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 22520

Top 5 sectors by establishment count in Montross, VA

Which industries have the most business establishments in ZIP 22520.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 22520, Montross, 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

5,402

Population

236.9

Area (sq mi)

23

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 22520?

50.1

Median Age

46.0%

Male

54.0%

Female

7.4%

Foreign-Born

White 63.1%
African American 18.5%
Asian 1.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.9%
Hispanic or Latino 7.0%

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?

$71,487

Median Household Income

-16% vs state

$43,729

Per Capita Income

9.7%

Poverty Rate

9.3%

Unemployment Rate

44.7 min

Mean Commute Time

How ZIP 22520 ranks nationally

Montross, VA household income vs. every US ZIP code

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

$71,487 49th percentile higher than 49% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $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 60.4%
Bachelor's Degree or Higher 21.7%

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

What does housing look like?

2,942

Total Housing Units

2,079

Occupied Units

863

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 83.4%
Renter 16.6%

$286,400

Median Home Value

-14% vs state

$974

Median Rent

1994

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

+0.3%

YoY Change (2024)

251

HPI Index (2000 = 100)

+151%

Total Change Since 2000

Home values in ZIP 22520 have increased 0.3% over the past year (2024). Since 2000, this ZIP has seen +151% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.5% 162
2021 +8.6% 175
2022 +22.4% 215
2023 +16.5% 250
2024 +0.3% 251

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 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 121 business establishments in ZIP 22520, employing approximately 834 people with a combined annual payroll of $28,244,000.

121

Businesses

834

Employees

$28.2M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 20 16.5%
Retail trade 18 14.9%
Construction 17 14.1%
Professional, scientific, and technical services 12 9.9%
Accommodation and food services 11 9.1%
Transportation and warehousing 8 6.6%
Administrative and support and waste management and remediation services 7 5.8%
Finance and insurance 6 5.0%
Health care and social assistance 6 5.0%
Manufacturing 4 3.3%
Wholesale trade 4 3.3%
Information 3 2.5%
Real estate and rental and leasing 3 2.5%

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 22520 vs 20626 →

ZIP 22520 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 22520 ranks #2 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 22520 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 22520 ranks #2 of 3 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
20626 Coltons Point, MD 373 8.2 mi
22572 Warsaw, VA 7,470 9.9 mi
20625 Cobb Island, MD 1,062 10.3 mi
20606 Abell, MD 431 10.4 mi
22529 Oldhams, VA 335 9.9 mi

More ZIP Codes in Westmoreland County

22443 standard
Colonial Beach, VA
Pop: 8,083
22469 standard
Hague, VA
Pop: 1,921
22488 standard
Kinsale, VA
Pop: 1,398
22529 standard
Oldhams, VA
Pop: 335

Related Areas

Westmoreland County Montross, VA Virginia

Frequently Asked Questions

What county is ZIP code 22520 in? ▼
ZIP code 22520 (Montross) is located in Westmoreland County, Virginia. Westmoreland County contains multiple ZIP codes, see the full list at /counties/westmoreland-va.
What is the population of ZIP code 22520? ▼
ZIP code 22520 in Montross, VA has a population of 5,402 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 22520? ▼
The median household income in ZIP 22520 is $71,487, which is 6% below the national average of $76,288.
What is the average home value in ZIP 22520? ▼
The median home value in ZIP 22520 is $286,400, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 22520? ▼
The largest racial group in ZIP 22520 is White at 63.1%. Hispanic or Latino residents make up 7.0% of the population.
How many businesses are in ZIP code 22520? ▼
ZIP code 22520 has 121 business establishments employing approximately 834 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 22520? ▼
The top industries by establishment count in ZIP 22520 are: Other services (except public administration) (20), Retail trade (18), Construction (17). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 22520? ▼
According to the FHFA House Price Index, home values in ZIP 22520 increased by 0.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 151%. 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 22520? ▼
In ZIP code 22520, 60.4% of residents aged 25+ have a high school diploma or higher, and 21.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 22520? ▼
The mean commute time for workers in ZIP code 22520 is 44.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 22520? ▼
In ZIP code 22520, approximately 83.4% of occupied housing units are owner-occupied and 16.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 22520? ▼
The poverty rate in ZIP code 22520 is 9.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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