ZIP Code 24846 — Gilbert Creek CDP, WV Demographics & Data

ZIP code 24846 covers Gilbert Creek, WV in McDowell County with a population of about 373.

At a glance, the area shows median age of 31.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 304, 681; U.S. House district WV-1; the BLUEFIELD - BECKLEY - OAK HILL media market.

On socioeconomic markers, US5 shows a poverty rate of 69.2%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Mining and Public administration; a mean commute of about 61.0 minutes (U.S. average near 26.8).

Median home value is about $80,100 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.0% (about 8.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 24846 in Gilbert Creek, WV, a household would need roughly $22,000 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 $515. 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 Gilbert Creek CDP, WV as Relatively Low (composite score 76.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (84.7) and wildfire (69.3). 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 Gilbert Creek CDP, WV show little to no average snow and around 48.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 24846 (Gilbert Creek CDP, WV) 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.