ZIP Code 22538 — Port Royal town, VA Demographics & Data

ZIP code 22538 covers Port Royal, VA in Caroline County with a population of about 278.

At a glance, the area shows median age of 61.6 versus a U.S. median of about 38.9.

It sits in telephone area code 804; U.S. House district VA-7; the RICHMOND - PETERSBURG media market.

Port Royal, VA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (32.5%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 10.4%; unemployment rate near 27.6%; 25.2% of adults with a bachelor’s degree or higher (about 8.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Transportation; about 50.0% of workers reporting work-from-home (about 34.8 points above the U.S. share (15.2%)); a mean commute of about 38.0 minutes (U.S. average near 26.8).

Median home value is about $331,800 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22538 in Port Royal, VA, a household would need roughly $91,000 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 $2,131. 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 Port Royal town, VA as Very Low (composite score 20.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (79.0) and flood (26.8). 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 Port Royal town, VA show little to no average snow and around 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 22538 (Port Royal 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.