ZIP Code 20135 — Shenandoah Retreat CDP, VA Demographics & Data

ZIP code 20135 covers Shenandoah Retreat, VA in Clarke County with a population of about 3,376.

At a glance, the area shows median age of 47.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-6; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20135 is about $110,800 — about 47% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.2%; unemployment rate near 3.6%; 42.8% of adults with a bachelor’s degree or higher (about 9.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Construction, and Healthcare; about 26.2% of workers reporting work-from-home (about 11.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $546,400 — about 57% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,176 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 89.2% (about 23.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20135 in Shenandoah Retreat, VA, a household would need roughly $150,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,510. That is about 35% above the local median household income ($110,800), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Shenandoah Retreat CDP, VA as Very Low (composite score 6.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (55.7) and wildfire (33.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Shenandoah Retreat CDP, VA show little to no average snow.

IRS migration statistics show a net inflow of about 191 for ZIP 20135 (Shenandoah Retreat CDP, VA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.