23025 ZIP Code — Cardinal, VA

Mathews County, Virginia

ZIP code 23025 is located in Cardinal, Virginia, within Mathews County. It covers approximately 4.40 square miles and serves a population of 792 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 804.

About ZIP code 23025

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $534,900. Owner-occupancy is high at 85%, well above the national average.

The gap between median ($46,007) and mean household income suggests income inequality — a small number of higher earners pull the average up. 72% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. An above-average commute of 46 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of diabetes (18%) compared to national benchmarks. 22% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 27%.

Overall, ZIP code 23025 reflects a community defined by high homeownership and a significant Social Security-dependent population.

792

population

4.40

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

23025 ZIP code map

Cities in ZIP code 23025

Below are the cities the US Postal Service accepts for ZIP code 23025. Using any city not on this list may result in mail delivery delays.

City	Status
Cardinal	Acceptable

Demographics updated 05/2026

Population
Total population	792
Population density	180 / sq mi
State FIPS	51
County FIPS	115

Geography
Land area	4.40 sq mi
Water area	1.27 sq mi
Latitude	37.4163
Longitude	-76.3756
Timezone	Eastern (ET)
Area code	804

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.8%	33.1%	32.9%
$50k – $100k	0.0%	34.4%	29.2%
$100k – $200k	41.2%	19.9%	26.3%
Over $200k	0.0%	12.6%	11.6%

Demographics & statistics

792

Population

180

People per sq mi

57.5

Median age

$46,007

Median household income

$35,911

Per capita income

$534,900

Median home value

Median monthly rent

85.1%

Home ownership

0.0%

Poverty rate

0.0%

Unemployment

426

Housing units

23.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	93	11.7%
18 and over	699	88.3%
65 and over	271	34.2%
Median age	57.5 years

Race & ethnicity

White 87.1%

Black or African American 12.9%

Group	Count	%
White	690	87.1%
Black or African American	102	12.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.8%	33.1%	32.9%
$50k – $100k	0.0%	34.4%	29.2%
$100k – $200k	41.2%	19.9%	26.3%
Over $200k	0.0%	12.6%	11.6%

$15k–$25k 21.7%

$25k–$35k 18.9%

$35k–$50k 14.9%

$50k–$75k 23.4%

$100k–$150k 9.8%

$150k–$200k 2.8%

$200k+ 8.6%

Range	% of households
$15k–$25k	21.7%
$25k–$35k	18.9%
$35k–$50k	14.9%
$50k–$75k	23.4%
$100k–$150k	9.8%
$150k–$200k	2.8%
$200k+	8.6%
Median income	$46,007

Housing

Home values

$50k–$100k 29.6%

$150k–$200k 3.0%

$200k–$300k 8.3%

$300k–$500k 5.3%

$500k–$1M 29.9%

$1M+ 24.0%

Housing overview

Metric	Value
Median home value	$534,900
Median rent / month	$0
Owner occupied	85.1%
Renter occupied	14.9%
Vacant	18.1%
Single-family detached	73.6%
Large apartment buildings	0.0%
Mobile homes	26.4%
Median rooms	6.0
Avg household size (owned)	2.05

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	2.3%
1990–1999	16.3%
1980–1989	13.2%
1970–1979	15.5%
1960–1969	5.8%
1950–1959	2.5%
1940–1949	3.1%
1939 or earlier	39.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	24.9%
3 bedrooms	60.2%
4 bedrooms	14.8%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	39.3%
2 vehicles	24.9%
3 or more	35.8%

Heating fuel

Fuel type	%
Electricity	88.2%
Propane / LP gas	4.0%
Wood	4.5%

Households & families

Household type	Count	%
Married-couple family	191	48.1%
Cohabiting couple	16	4.0%
Male householder, no spouse	61	15.4%
Female householder, no spouse	129	32.5%
Households with children under 18	67	16.9%
Households with seniors (65+)	240	60.5%
Average household size	1.99

Marital status

Status	Male	Female
Never married	34.9%	10.4%
Married	46.3%	50.6%
Separated	0.0%	0.0%
Widowed	3.2%	26.9%
Divorced	15.6%	12.1%

Education

Less than 9th grade 0.0%

Some HS, no diploma 2.0%

HS graduate 47.6%

Some college, no degree 22.7%

Associate's degree 3.8%

Bachelor's degree 14.5%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	98.0%
Bachelor's or higher	23.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	38	27.0%
High school	103	73.0%
College / grad school	0	0.0%

Employment

Industry of employment

Retail trade 18.0%

Professional & management 14.5%

Transportation & utilities 14.1%

Education & healthcare 14.1%

Manufacturing 12.5%

Construction 12.2%

Wholesale trade 5.9%

Information 4.7%

Finance & real estate 3.9%

Occupation

Category	%
Management, business & arts	35.3%
Service	0.0%
Sales & office	26.7%
Natural resources & construction	14.5%
Production & transportation	23.5%

Employment type

Type	%
Private sector	100.0%
Government	0.0%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	65.6%
Carpool	14.6%
Public transit	0.0%
Walk	0.0%
Work from home	19.8%
Other means	0.0%
Avg commute (minutes)	45.5

Poverty

All people 0.0%

Under 18 years 0.0%

18 and over 0.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	72.0%
Retirement income	25.7%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	38.3%
High blood pressure	49.4%
High cholesterol	40.1%
Diabetes	18.0%
Heart disease	10.0%
Stroke	5.4%
Asthma	9.8%
Arthritis	38.0%
Kidney disease	4.5%
Pulmonary disease	9.6%
Cancer	9.7%

Behavior / access	%
Smoking	16.6%
Binge drinking	10.7%
No physical activity	28.2%
Less than 7 hrs sleep	34.6%
Depression	17.5%
Fair or poor health	21.1%
Poor mental health	11.9%
Poor physical health	12.7%
No health insurance	13.8%
Visited doctor (checkup)	83.0%
Visited dentist	64.3%
Cholesterol screening	94.3%
Teeth loss	15.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	44	6.3%

Disability	%
Any disability	26.6%
Under 18	54.8%
18–64 years	32.5%
65 and over	7.7%

Health insurance coverage

Type	%
Private insurance	49.6%
Public insurance	52.3%
No insurance	22.2%
Uninsured under 19	35.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	788	99.5%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	792	100.0%
Born in same state	792	100.0%
Born in different state	498	62.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	355	44.8%
French	84	10.6%

Ancestry	Count	%
Italian	11	1.4%
English	9	1.1%

Technology access

Metric	% of households
Computer access	50.1%
Internet access	57.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 23025

What city is ZIP code 23025 in?

ZIP code 23025 is primarily assigned to Cardinal, Virginia.

What county is ZIP code 23025 in?

ZIP code 23025 falls within Mathews County, Virginia.

Does ZIP code 23025 have a large retiree population?

72% of households in ZIP code 23025 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 23025 have an older population?

34% of residents in ZIP code 23025 are 65 or older, above the national average of ~17%.

Is ZIP code 23025 mostly owner-occupied?

85% of occupied units in ZIP code 23025 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 23025?

The median home value in ZIP code 23025 is $534,900.

What timezone is ZIP code 23025 in?

ZIP code 23025 observes the EST timezone.