ZIP Code 22727 — Madison town, VA Demographics & Data

ZIP code 22727 covers Madison, VA in Madison County with a population of about 5,785.

At a glance, the area shows median age of 46.3 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 22727 is about $70,694 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.9%; unemployment rate near 5.1%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Professional services, and Healthcare; about 9.4% of workers reporting work-from-home (about 5.8 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 $350,800 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $768 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 73.2% (about 7.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 22727 in Madison, 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 $2,253. That is about 37% above the local median household income ($70,694), so the median earner would likely stretch or need a larger down payment. 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 Madison town, VA as Very Low (composite score 8.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (70.3) and wildfire (39.8). 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 Madison town, VA show little to no average snow.

IRS migration statistics show a net inflow of about 326 for ZIP 22727 (Madison 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.