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Waterford CDP, VA

ZIP 20197 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20197

Median Home Value
$988,900
Median Rent
N/A
Affordability Snapshot
$272,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,352/mo PITI).

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 20197 in Waterford CDP, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
88.3%+35% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
21.7%+46% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
16.5%-57% vs US avg
x
$988,900
Home Value
N/A
Rent
1994
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached98.1%
  • 1-unit attached1.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$988,900
Median rent$-666,666,666
Owner-occupied88.3%
Vacant7.1%
Price-to-income4.2x
Est. income to buy$272,000