23109 ZIP Code — Mathews, VA

Mathews County, Virginia

ZIP code 23109 is located in Mathews, Virginia, within Mathews County. It covers approximately 20.29 square miles and serves a population of 2,783 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 804.

About ZIP code 23109

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $283,300. Owner-occupancy is high at 75%, well above the national average.

The gap between median ($72,582) and mean household income suggests income inequality — a small number of higher earners pull the average up. SNAP benefit usage at 18% of households reflects economic stress in the area. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 23109 reflects a community defined by a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,783

population

20.29

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

23109 ZIP code map

Cities in ZIP code 23109

Below are the cities the US Postal Service accepts for ZIP code 23109. Using any city not on this list may result in mail delivery delays.

City	Status
Mathews	Acceptable
Mathews	Preferred

Nearby ZIP codes

23076 Hudgins (2.8 mi) 23056 Foster (2.9 mi) 23128 North (3 mi) 23119 Moon (3.3 mi) 23068 Hallieford (4 mi) 23130 Onemo (4.1 mi) 23138 Port Haywood (4.6 mi) 23035 Cobbs Creek (5.3 mi) 23050 Dutton (6.7 mi) 23125 New Point (6.8 mi) 23163 Susan (6.8 mi) 23070 Hardyville (9 mi)

Demographics updated 05/2026

Population
Total population	2,783
Population density	137 / sq mi
State FIPS	51
County FIPS	115

Geography
Land area	20.29 sq mi
Water area	1.63 sq mi
Latitude	37.4373
Longitude	-76.3324
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	36.3%	33.1%	32.9%
$50k – $100k	25.3%	34.4%	29.2%
$100k – $200k	20.0%	19.9%	26.3%
Over $200k	18.4%	12.6%	11.6%

Demographics & statistics

2,783

Population

137

People per sq mi

44.0

Median age

$72,582

Median household income

$45,735

Per capita income

$283,300

Median home value

$866

Median monthly rent

75.1%

Home ownership

9.0%

Poverty rate

11.2%

Unemployment

873

Housing units

26.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

102

115

5–9

122

10–14

15–19

116

20–24

122

25–34

201

35–44

213

132

45–54

139

55–59

105

60–64

110

187

65–74

198

151

75–84

160

← Male

Female →

Age summary

Group	Count	%
Under 18	650	23.4%
18 and over	2,133	76.6%
65 and over	696	25.0%
Median age	44.0 years

Race & ethnicity

White 82.3%

Black or African American 13.1%

Two or more races 3%

Hispanic or Latino 1.6%

Group	Count	%
White	2,328	82.3%
Black or African American	370	13.1%
Two or more races	85	3%
Hispanic or Latino	46	1.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.3%	33.1%	32.9%
$50k – $100k	25.3%	34.4%	29.2%
$100k – $200k	20.0%	19.9%	26.3%
Over $200k	18.4%	12.6%	11.6%

Under $10k 9.8%

$15k–$25k 2.5%

$25k–$35k 7.7%

$35k–$50k 6.8%

$50k–$75k 27.7%

$75k–$100k 7.4%

$100k–$150k 13.8%

$150k–$200k 11.5%

$200k+ 13.0%

Range	% of households
Under $10k	9.8%
$15k–$25k	2.5%
$25k–$35k	7.7%
$35k–$50k	6.8%
$50k–$75k	27.7%
$75k–$100k	7.4%
$100k–$150k	13.8%
$150k–$200k	11.5%
$200k+	13.0%
Median income	$72,582

Housing

Home values

$50k–$100k 1.9%

$100k–$150k 1.5%

$150k–$200k 21.6%

$200k–$300k 32.0%

$300k–$500k 13.4%

$500k–$1M 27.1%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$283,300
Median rent / month	$866
Owner occupied	75.1%
Renter occupied	24.9%
Vacant	10.7%
Single-family detached	82.7%
Large apartment buildings	0.9%
Mobile homes	0.0%
Median rooms	6.7
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.0%
2010–2019	3.8%
2000–2009	7.6%
1990–1999	23.2%
1980–1989	18.4%
1970–1979	7.7%
1960–1969	10.4%
1950–1959	12.9%
1940–1949	4.7%
1939 or earlier	11.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.1%
2 bedrooms	26.7%
3 bedrooms	48.1%
4 bedrooms	20.7%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	26.4%
2 vehicles	37.5%
3 or more	34.0%

Heating fuel

Fuel type	%
Electricity	79.7%
Propane / LP gas	11.0%
Wood	6.5%
Solar	1.9%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	536	53.4%
Cohabiting couple	69	6.9%
Male householder, no spouse	43	4.3%
Female householder, no spouse	355	35.4%
Households with children under 18	302	30.1%
Households with seniors (65+)	404	40.3%
Average household size	2.71

Marital status

Status	Male	Female
Never married	32.4%	25.8%
Married	61.8%	47.7%
Separated	0.0%	2.6%
Widowed	5.4%	15.3%
Divorced	0.4%	8.6%

Education

Less than 9th grade 0.0%

Some HS, no diploma 7.0%

HS graduate 26.9%

Some college, no degree 26.4%

Associate's degree 12.9%

Bachelor's degree 21.0%

Graduate / professional 5.8%

Metric	%
HS diploma or higher	93.0%
Bachelor's or higher	26.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	74	12.9%
Kindergarten	35	6.1%
Elementary school	346	60.5%
High school	117	20.5%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 27.9%

Construction 22.3%

Arts, food & hospitality 20.5%

Manufacturing 8.5%

Public administration 6.8%

Professional & management 6.0%

Other services 4.9%

Transportation & utilities 1.6%

Finance & real estate 1.6%

Occupation

Category	%
Management, business & arts	46.7%
Service	18.2%
Sales & office	9.0%
Natural resources & construction	24.2%
Production & transportation	1.8%

Employment type

Type	%
Private sector	78.5%
Government	14.5%
Self-employed	7.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.8%
Carpool	8.3%
Public transit	0.0%
Walk	0.8%
Work from home	7.1%
Other means	0.0%
Avg commute (minutes)	32.1

Poverty

All people 9.0%

Under 18 years 15.1%

18 and over 7.1%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	51.1%
Retirement income	35.6%
Supplemental Security	7.3%
Cash public assistance	11.2%
Food stamps / SNAP	17.6%

Health indicators

Condition	%
Obesity	34.3%
High blood pressure	40.9%
High cholesterol	38.1%
Diabetes	13.3%
Heart disease	8.6%
Stroke	4.1%
Asthma	9.6%
Arthritis	34.6%
Kidney disease	3.7%
Pulmonary disease	9.0%
Cancer	9.3%

Behavior / access	%
Smoking	16.8%
Binge drinking	13.1%
No physical activity	24.3%
Less than 7 hrs sleep	31.8%
Depression	20.3%
Fair or poor health	17.2%
Poor mental health	12.9%
Poor physical health	11.6%
No health insurance	11.4%
Visited doctor (checkup)	79.4%
Visited dentist	68.0%
Cholesterol screening	92.9%
Teeth loss	13.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	256	12.1%

Disability	%
Any disability	13.7%
Under 18	0.0%
18–64 years	18.4%
65 and over	17.4%

Health insurance coverage

Type	%
Private insurance	64.6%
Public insurance	45.7%
No insurance	6.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,584	92.8%
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)	2,724	97.9%
Born in same state	2,724	97.9%
Born in different state	1,986	71.4%
Foreign born	0	0.0%
Naturalized citizen	59	2.1%
Not a US citizen	59	100.0%

Ancestry

Ancestry	Count	%
Arab	725	26.1%
French	454	16.3%

Ancestry	Count	%
Italian	247	8.9%
English	4	0.1%

Technology access

Metric	% of households
Computer access	36.0%
Internet access	90.3%

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

Frequently asked questions about ZIP code 23109

What city is ZIP code 23109 in?

ZIP code 23109 is primarily assigned to Mathews, Virginia.

What county is ZIP code 23109 in?

ZIP code 23109 falls within Mathews County, Virginia.

Does ZIP code 23109 have a large retiree population?

51% of households in ZIP code 23109 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 23109 have a large veteran population?

12% of civilians in ZIP code 23109 are veterans, above the national average of ~7%.

What is the population of ZIP code 23109?

ZIP code 23109 has an estimated population of 2,783 residents, with a density of 137 people per square mile.

What is the typical home value in ZIP code 23109?

The median home value in ZIP code 23109 is $283,300.

What timezone is ZIP code 23109 in?

ZIP code 23109 observes the EST timezone.