Stephens City, VA · standard

ZIP Code 22655

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

19,328
212/sq mi
$109,169
Median income
$388,400
Median home value
31.2%
Bachelor's or higher

The verdict

Stephens City pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 14%
household income, US ZIPs
Top 22%
home value, US ZIPs
212
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 22655 against every reporting US ZIP.

ZIP code 22655 is classified by USPS as a standard delivery area and covers roughly 91.1 square miles in Stephens City, Frederick County, Virginia. The area is home to 19,328 residents, producing a population density of 212 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 22655 against Virginia and the nation.

On the economic side, the median household income for ZIP 22655 sits at $109,169 (28% above the Virginia average), while per-capita income is $45,211. The poverty rate stands at 5.5% and the unemployment rate at 6.6%. On housing, the median home value is $388,400 (16% above the state average) with median rent at $1,530 per month, and 78.0% of occupied units are owner-occupied, a direct signal of whether 22655 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 31.2% of adults hold a bachelor's degree or higher, the median age is 38.1, and the average commute is 34 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Frederick County, so you can benchmark 22655 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 22655

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 22655.

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 22655, Stephens City, 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

19,328

Population

91.1

Area (sq mi)

212

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 22655?

38.1

Median Age

50.3%

Male

49.7%

Female

8.4%

Foreign-Born

White 74.9%
African American 6.3%
Asian 1.5%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 10.1%
Hispanic or Latino 13.9%

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?

$109,169

Median Household Income

+28% vs state

$45,211

Per Capita Income

5.5%

Poverty Rate

6.6%

Unemployment Rate

33.6 min

Mean Commute Time

How ZIP 22655 ranks nationally

Household income vs. every US ZIP code

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

$109,169 Top 14% higher than 86% 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%). This entry sits in this band. $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 61.7%
Bachelor's Degree or Higher 31.2%

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

What does housing look like?

8,825

Total Housing Units

8,375

Occupied Units

450

Vacant Units

2.71

Avg Household Size

Occupancy Type

Owner 78.0%
Renter 22.0%

$388,400

Median Home Value

+16% vs state

$1,530

Median Rent

1996

Median Year Built

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

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+10.4%

YoY Change (2024)

275

HPI Index (2000 = 100)

+175%

Total Change Since 2000

Home values in ZIP 22655 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +175% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.5% 187
2021 +12.4% 210
2022 +18.3% 249
2023 +0.3% 249
2024 +10.4% 275

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 262 business establishments in ZIP 22655, employing approximately 2,142 people with a combined annual payroll of $71,747,000.

262

Businesses

2,142

Employees

$71.7M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 41 15.7%
Retail trade 41 15.7%
Other services (except public administration) 32 12.2%
Accommodation and food services 31 11.8%
Health care and social assistance 22 8.4%
Administrative and support and waste management and remediation services 21 8.0%
Professional, scientific, and technical services 18 6.9%
Real estate and rental and leasing 13 5.0%
Finance and insurance 11 4.2%
Transportation and warehousing 10 3.8%
Arts, entertainment, and recreation 8 3.0%
Manufacturing 3 1.1%
Information 3 1.1%
Educational services 3 1.1%

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 22655 vs 22645 →

ZIP 22655 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 22655 ranks #4 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 22655 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 22655 ranks #2 of 6 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
22645 Middletown, VA 3,880 4.5 mi
22663 White Post, VA 1,536 5.4 mi
22602 Winchester, VA 28,443 6.5 mi
22601 Winchester, VA 27,813 7.9 mi
22630 Front Royal, VA 30,292 9.7 mi

More ZIP Codes in Frederick County

Frequently Asked Questions

What county is ZIP code 22655 in?
ZIP code 22655 (Stephens City) is located in Frederick County, Virginia. Frederick County contains multiple ZIP codes, see the full list at /counties/frederick-va.
What is the population of ZIP code 22655?
ZIP code 22655 in Stephens City, VA has a population of 19,328 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 22655?
The median household income in ZIP 22655 is $109,169, which is 43% above the national average of $76,288.
What is the average home value in ZIP 22655?
The median home value in ZIP 22655 is $388,400, which is 40% above the national average of $278,155.
What is the demographic makeup of ZIP 22655?
The largest racial group in ZIP 22655 is White at 74.9%. Hispanic or Latino residents make up 13.9% of the population.
How many businesses are in ZIP code 22655?
ZIP code 22655 has 262 business establishments employing approximately 2,142 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 22655?
The top industries by establishment count in ZIP 22655 are: Construction (41), Retail trade (41), Other services (except public administration) (32). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 22655?
According to the FHFA House Price Index, home values in ZIP 22655 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 175%. 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 22655?
In ZIP code 22655, 61.7% of residents aged 25+ have a high school diploma or higher, and 31.2% 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 22655?
The mean commute time for workers in ZIP code 22655 is 33.6 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 22655?
In ZIP code 22655, approximately 78.0% of occupied housing units are owner-occupied and 22.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 22655?
The poverty rate in ZIP code 22655 is 5.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Stephens City, VA

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