ZIP Code 22655 — Stephens City town, VA Demographics & Data

ZIP code 22655 covers Stephens City, VA in Frederick County with a population of about 22,393.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 540, 826; U.S. House district VA-6; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 22655 is about $106,030 — about 41% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.2%; unemployment rate near 6.0%; 29.1% of adults with a bachelor’s degree or higher (about 4.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Education; about 12.4% of workers reporting work-from-home (about 2.8 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 $352,900 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,170 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 76.7% (about 11.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22655 in Stephens City, VA, a household would need roughly $97,000 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 $2,267. That is roughly in line with the local median household income ($106,030). 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 Stephens City town, VA as Relatively Low (composite score 44.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (76.4) and flood (60.0). 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 Stephens City town, VA show little to no average snow and around 40.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,264 for ZIP 22655 (Stephens City 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.