ZIP Code 23175 — Urbanna town, VA Demographics & Data

ZIP code 23175 covers Urbanna, VA in Middlesex County with a population of about 1,750.

At a glance, the area shows median age of 61.3 versus a U.S. median of about 38.9.

It sits in telephone area code 804; U.S. House district VA-1; the RICHMOND - PETERSBURG media market.

Urbanna, VA fits a retirement-oriented profile (high share of residents 65+ (41.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 23175 is about $51,522 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 1.8%; 31.1% of adults with a bachelor’s degree or higher (about 2.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Other services; about 16.4% of workers reporting work-from-home (about 1.2 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 $335,000 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $390 (about 66% below the U.S. median rent ($1,163)), and owner-occupancy near 76.0% (about 10.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 23175 in Urbanna, VA, a household would need roughly $92,000 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 $2,152. That is about 79% above the local median household income ($51,522), 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 Urbanna town, VA as Very Low (composite score 23.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (85.5) and wildfire (31.4). 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 Urbanna town, VA show little to no average snow and around 47.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 99 for ZIP 23175 (Urbanna 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.