ZIP Code 22407 — Fredericksburg city, VA Demographics & Data

ZIP code 22407 covers Fredericksburg, VA in Spotsylvania County with a population of about 64,273.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area codes 540, 826; U.S. House district VA-7; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 22407 is about $105,218 — about 40% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 4.9%; 33.1% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Public administration; about 14.5% of workers reporting work-from-home (roughly in line with 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 $376,200 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,528 (about 31% above the U.S. median rent ($1,163)), and owner-occupancy near 76.1% (about 10.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22407 in Fredericksburg, VA, a household would need roughly $104,000 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 $2,417. That is roughly in line with the local median household income ($105,218). 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 Fredericksburg city, VA as Relatively Low (composite score 52.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (72.2) and flood (65.3). 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 Fredericksburg city, VA show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,627 for ZIP 22407 (Fredericksburg city, 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.