| ZIP Code | 20197 |
|---|---|
| City | Waterford |
| State | Virginia (VA) |
| County | Loudoun County |
| Area Code | 571/703/826 |
| Elevation | 453 ft |
| Latitude | 39.19521 |
|---|---|
| Longitude | -77.62801 |
| Timezone | New York (DST) |
| FIPS | 51107 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 46.1 yrs ↑ 16% since 2019 |
|---|---|
| Avg Household Size | 2.76 |
| Below Poverty | 4.0% ▼ 60% below avg |
| College Grads | 73.7% ▲ 90% above avg |
| Unemployment | 9.7% ▲ 98% above avg |
| HS Graduate | 103 (6.6%) |
| Some College | 106 (6.8%) |
| Associates | 201 (12.9%) |
| Bachelors | 57 (3.7%) |
| Graduate Degree | 1,090 (70%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $233,777 ▲ 206% above avg ↑ 49% since 2019 |
|---|---|
| Median Home Value | $988,900 ▲ 255% above avg ↑ 26% since 2019 |
| Home/Income Ratio | 4.2x (nat avg ~3.5x) |
| Total Units | 863 |
| Vacant Units | 61 |
| Avg HH Size | 2.76 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 863 |
|---|---|
| Vacant | 61 |
| Owner Occupied | 88.3% |
| Renter Occupied | 11.7% |
| Avg HH Size | 2.76 |
ZIP code 20197 is located in Waterford, Virginia, within Loudoun County. With a population of 2,212, this is a sparsely populated ZIP code with a mature community — the median age is 46.1 years. Economically, 20197 is a affluent ZIP code: the median household income of $233,777 is more than double the national average.
Real estate in ZIP code 20197 represents among the most expensive housing markets in the country. The median home value of $988,900 is more than double the national average. Homeownership is strong here — 88.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 26% since 2019.
The population of 20197 is primarily White (91.37%). Residents are highly educated — 73.7% hold a bachelor's degree or higher, which is significantly above the national average. Poverty affects a relatively small share of residents at 4.0%. Household income has grown by 49% since 2019.
The unemployment rate in 20197 stands at 9.7%, which is significantly above the national average. A notably high share of workers — 45% — work from home, reflecting the professional makeup of the area. As in most parts of the country, driving alone is the dominant commute mode at 50%.
Overall, ZIP code 20197 in Waterford, VA is characterized as affluent, highly educated, a mature community, and predominantly owner-occupied. With 2,212 residents, a median household income of $233,777, and a median home value of $988,900, it offers a clear picture of life in this part of Virginia.