ZIP Code 24090 — Fincastle town, VA Demographics & Data

ZIP code 24090 covers Fincastle, VA in Botetourt County with a population of about 4,612.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 540, 826; U.S. House district VA-6; the ROANOKE - LYNCHBURG media market.

Median household income in ZIP 24090 is about $88,125 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.7%; unemployment rate near 0.4%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Administrative support; about 14.1% of workers reporting work-from-home (about 1.1 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 $267,100 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $721 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 87.4% (about 22.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 24090 in Fincastle, VA, a household would need roughly $74,000 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 $1,716. That sits below the local median household income ($88,125), 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 Fincastle town, VA as Very Low (composite score 18.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (56.0) and flood (42.4). 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 Fincastle town, VA show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 260 for ZIP 24090 (Fincastle 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.