ZIP Code 20197 — Waterford CDP, VA Demographics & Data

ZIP code 20197 covers Waterford, VA in Loudoun County with a population of about 2,212.

At a glance, the area shows median age of 46.1 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.

Waterford, VA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 20197 is about $233,777 — about 211% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.0%; unemployment rate near 9.7%; 70.2% of adults with a bachelor’s degree or higher (about 36.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Wholesale trade, and Manufacturing; about 44.7% of workers reporting work-from-home (about 29.5 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 $988,900 — about 184% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.3% (about 22.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20197 in Waterford, VA, a household would need roughly $272,000 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 $6,352. That is about 16% above the local median household income ($233,777), 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 Waterford CDP, VA as Relatively Low (composite score 78.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.9) and hurricane (80.1). 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 Waterford CDP, VA show little to no average snow and around 43.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 125 for ZIP 20197 (Waterford 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.