24465 ZIP Code — Monterey, VA

Highland County, Virginia

ZIP code 24465 is located in Monterey, Virginia, within Highland County. It covers approximately 190.47 square miles and serves a population of 1,274 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 540.

About ZIP code 24465

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 $185,500. Owner-occupancy is high at 82%, well above the national average.

Median household income is $59,500. 68% 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 17 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%; and disability rates above the national average at 27%.

Overall, ZIP code 24465 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

1,274
population
190.47
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
24465 ZIP code map
Cities in ZIP code 24465

Below are the cities the US Postal Service accepts for ZIP code 24465. Using any city not on this list may result in mail delivery delays.

City Status
Monterey Acceptable
Monterey Preferred
Nearby ZIP codes
24944 Green Bank (7 mi) 24458 Mc Dowell (7.9 mi) 24433 Doe Hill (8.6 mi) 24413 Blue Grass (10.6 mi) 24442 Head Waters (12.6 mi) 24934 Dunmore (13.8 mi) 24920 Bartow (14.4 mi) 24487 Williamsville (14.8 mi) 26804 Circleville (18.4 mi) 24484 Warm Springs (18.9 mi) 26815 Sugar Grove (19.1 mi) 24485 West Augusta (19.3 mi)
Demographics updated 05/2026
Population
Total population 1,274
Population density 7 / sq mi
State FIPS 51
County FIPS 091
Geography
Land area 190.47 sq mi
Water area 0.37 sq mi
Latitude 38.3806
Longitude -79.6433
Timezone Eastern (ET)
Area code 540
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 35.2% 43.6% 32.9%
$50k – $100k 44.2% 39.1% 29.2%
$100k – $200k 17.3% 13.4% 26.3%
Over $200k 3.4% 3.9% 11.6%

Demographics & statistics

1,274
Population
7
People per sq mi
62.4
Median age
$59,500
Median household income
$33,335
Per capita income
$185,500
Median home value
$879
Median monthly rent
81.8%
Home ownership
13.9%
Poverty rate
23.4%
Unemployment
934
Housing units
35.4%
Bachelor's or higher

Age distribution

Male Female
13
Under 5
16
15
5–9
17
6
10–14
8
15
15–19
18
90
20–24
105
36
25–34
42
22
35–44
26
47
45–54
54
23
55–59
27
65
60–64
76
145
65–74
170
67
75–84
79
42
85+
50
← Male
Female →

Age summary

GroupCount%
Under 181068.3%
18 and over1,16891.7%
65 and over55343.4%
Median age62.4 years

Race & ethnicity

White 91.3%
Asian 5.4%
Two or more races 2.3%
Hispanic or Latino 1%
GroupCount%
White1,17591.3%
Asian695.4%
Two or more races302.3%
Hispanic or Latino131%

Household income

Income range This ZIP County avg State avg
Under $50k 35.2% 43.6% 32.9%
$50k – $100k 44.2% 39.1% 29.2%
$100k – $200k 17.3% 13.4% 26.3%
Over $200k 3.4% 3.9% 11.6%
Under $10k 1.8%
$10k–$15k 4.4%
$15k–$25k 8.2%
$25k–$35k 14.2%
$35k–$50k 12.2%
$50k–$75k 21.6%
$75k–$100k 10.5%
$100k–$150k 19.5%
$150k–$200k 6.5%
$200k+ 1.1%
Range% of households
Under $10k1.8%
$10k–$15k4.4%
$15k–$25k8.2%
$25k–$35k14.2%
$35k–$50k12.2%
$50k–$75k21.6%
$75k–$100k10.5%
$100k–$150k19.5%
$150k–$200k6.5%
$200k+1.1%
Median income$59,500

Housing

Home values

Under $50k 0.7%
$50k–$100k 6.9%
$100k–$150k 23.3%
$150k–$200k 21.6%
$200k–$300k 20.9%
$300k–$500k 20.4%
$500k–$1M 5.1%
$1M+ 1.1%

Housing overview

MetricValue
Median home value$185,500
Median rent / month$879
Owner occupied81.8%
Renter occupied18.2%
Vacant46.8%
Single-family detached82.0%
Large apartment buildings0.0%
Mobile homes11.4%
Median rooms5.6
Avg household size (owned)2.35

Year built

Era%
2020 or later0.0%
2010–20192.8%
2000–200914.0%
1990–19998.9%
1980–198914.3%
1970–197910.6%
1960–19693.6%
1950–19593.3%
1940–19496.3%
1939 or earlier36.2%

Bedrooms

Size% of units
No bedroom (studio)0.3%
1 bedroom7.3%
2 bedrooms22.1%
3 bedrooms49.6%
4 bedrooms15.7%
5+ bedrooms5.1%

Vehicles per household

Vehicles% of households
No vehicle4.4%
1 vehicle27.6%
2 vehicles45.3%
3 or more22.7%

Heating fuel

Fuel type%
Electricity49.6%
Propane / LP gas10.5%
Fuel oil3.3%
Wood35.6%
No fuel used0.9%

Households & families

Household typeCount%
Married-couple family28952.5%
Cohabiting couple244.4%
Male householder, no spouse8214.9%
Female householder, no spouse15528.2%
Households with children under 18529.5%
Households with seniors (65+)36165.6%
Average household size2.32

Marital status

StatusMaleFemale
Never married25.8%27.8%
Married57.3%45.7%
Separated0.0%0.5%
Widowed3.8%15.8%
Divorced13.1%10.3%

Education

Less than 9th grade 3.8%
Some HS, no diploma 5.9%
HS graduate 32.6%
Some college, no degree 16.5%
Associate's degree 5.8%
Bachelor's degree 24.2%
Graduate / professional 11.2%
Metric%
HS diploma or higher90.3%
Bachelor's or higher35.4%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool44.4%
Kindergarten77.7%
Elementary school4650.5%
High school1920.9%
College / grad school1516.5%

Employment

Industry of employment

Education & healthcare 16.6%
Public administration 16.6%
Construction 14.2%
Professional & management 9.5%
Other services 9.0%
Retail trade 8.2%
Finance & real estate 7.4%
Transportation & utilities 7.1%
Information 5.4%
Agriculture & mining 2.2%
Arts, food & hospitality 2.2%
Wholesale trade 1.1%
Manufacturing 0.5%

Occupation

Category%
Management, business & arts37.6%
Service12.5%
Sales & office34.1%
Natural resources & construction8.4%
Production & transportation7.4%

Employment type

Type%
Private sector47.7%
Government33.8%
Self-employed15.5%
Unpaid family workers3.0%

Commute

Method%
Drive alone65.4%
Carpool4.1%
Public transit0.0%
Walk7.9%
Work from home21.3%
Other means1.4%
Avg commute (minutes)16.7

Poverty

All people 13.9%
Under 18 years 24.5%
18 and over 12.9%
Married-couple families 4.2%
Female-led households 0.0%

Income support

Source% of households
Social Security67.6%
Retirement income47.5%
Supplemental Security12.2%
Cash public assistance0.7%
Food stamps / SNAP6.9%

Health indicators

Condition%
Obesity34.5%
High blood pressure41.9%
High cholesterol40.0%
Diabetes13.3%
Heart disease9.0%
Stroke4.1%
Asthma9.3%
Arthritis34.5%
Kidney disease3.6%
Pulmonary disease9.5%
Cancer9.3%
Behavior / access%
Smoking18.1%
Binge drinking13.6%
No physical activity24.8%
Less than 7 hrs sleep32.2%
Depression20.1%
Fair or poor health17.2%
Poor mental health12.8%
Poor physical health11.9%
No health insurance11.4%
Visited doctor (checkup)78.4%
Visited dentist68.0%
Cholesterol screening92.9%
Teeth loss12.6%

Veterans & disability

VeteransCount%
Civilian veterans15713.4%
Disability%
Any disability27.3%
Under 180.0%
18–64 years20.8%
65 and over39.8%

Health insurance coverage

Type%
Private insurance53.9%
Public insurance72.8%
No insurance3.8%
Uninsured under 191.9%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,24597.7%
Spanish10.1%
Other Indo-European00.0%
Asian & Pacific Islander00.0%
Other languages10.1%

Place of birth & citizenship

OriginCount%
Native born (US)1,25398.4%
Born in same state1,24998.0%
Born in different state88669.5%
Foreign born40.3%
Naturalized citizen211.6%
Not a US citizen1781.0%

Ancestry

AncestryCount%
French43434.1%
Italian18214.3%
Arab846.6%
AncestryCount%
English252%
Polish110.9%

Technology access

Metric% of households
Computer access43.2%
Internet access84.4%

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

Frequently asked questions about ZIP code 24465

What city is ZIP code 24465 in?

ZIP code 24465 is primarily assigned to Monterey, Virginia.

What county is ZIP code 24465 in?

ZIP code 24465 falls within Highland County, Virginia.

Does ZIP code 24465 have an older population?

43% of residents in ZIP code 24465 are 65 or older, above the national average of ~17%.

Does ZIP code 24465 have a large retiree population?

68% of households in ZIP code 24465 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 24465 mostly owner-occupied?

82% of occupied units in ZIP code 24465 are owner-occupied, well above the national average.

Does ZIP code 24465 have a large veteran population?

13% of civilians in ZIP code 24465 are veterans, above the national average of ~7%.

What timezone is ZIP code 24465 in?

ZIP code 24465 observes the EST timezone.

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