ZIP Code 20186 — Warrenton town, VA Demographics & Data

ZIP code 20186 covers Warrenton, VA in Fauquier County with a population of about 15,433.

At a glance, the area shows median age of 40.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-10; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20186 is about $100,813 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 2.0%; 43.9% of adults with a bachelor’s degree or higher (about 10.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 12.5% of workers reporting work-from-home (about 2.7 points below 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 $485,000 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,330 (about 14% above the U.S. median rent ($1,163)), and owner-occupancy near 66.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20186 in Warrenton, VA, a household would need roughly $134,000 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 $3,116. That is about 33% above the local median household income ($100,813), 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 Warrenton town, VA as Relatively Low (composite score 47.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (72.1) and flood (65.8). 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 Warrenton town, VA show little to no average snow.

IRS migration statistics show a net inflow of about 871 for ZIP 20186 (Warrenton town, 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.