ZIP Code 22508 — Lake of the Woods CDP, VA Demographics & Data

ZIP code 22508 covers Lake of the Woods, VA in Orange County with a population of about 15,608.

At a glance, the area shows median age of 42.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-7; the CHARLOTTESVILLE media market.

Median household income in ZIP 22508 is about $113,733 — about 51% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 3.1%; 38.4% of adults with a bachelor’s degree or higher (about 4.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Public administration; about 17.7% of workers reporting work-from-home (about 2.5 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 $368,200 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,404 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 93.3% (about 27.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22508 in Lake of the Woods, VA, a household would need roughly $101,000 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 $2,365. That sits below the local median household income ($113,733), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Lake of the Woods CDP, VA as Very Low (composite score 25.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (76.9) and flood (35.6). 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 Lake of the Woods CDP, VA show little to no average snow and around 43.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 881 for ZIP 22508 (Lake of the Woods 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.