ZIP Code 22546 — Lake Land'Or CDP, VA Demographics & Data

ZIP code 22546 covers Lake Land'Or, VA in Caroline County with a population of about 17,857.

At a glance, the area shows median age of 37.6 (near the U.S. median).

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

Median household income in ZIP 22546 is about $89,097 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.9%; unemployment rate near 4.6%; 23.9% of adults with a bachelor’s degree or higher (about 9.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Public administration; about 10.1% of workers reporting work-from-home (about 5.1 points below 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 $279,400 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,331 (about 14% above the U.S. median rent ($1,163)), and owner-occupancy near 85.1% (about 19.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22546 in Lake Land'Or, VA, a household would need roughly $77,000 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 $1,795. That sits below the local median household income ($89,097), 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 Land'Or CDP, 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 Lake Land'Or CDP, VA show little to no average snow and around 45.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,008 for ZIP 22546 (Lake Land'Or 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.