22520 ZIP Code — Montross, VA

Westmoreland County, Virginia

ZIP code 22520 is located in Montross, Virginia, within Westmoreland County. It covers approximately 96.49 square miles and serves a population of 4,673 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 804.

About ZIP code 22520

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $237,000. Owner-occupancy is high at 81%, well above the national average.

Median household income is $64,464. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. An above-average commute of 40 minutes suggests many residents work outside the immediate area.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (15%) compared to national benchmarks.

Overall, ZIP code 22520 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,673

population

96.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

22520 ZIP code map

Cities in ZIP code 22520

Below are the cities the US Postal Service accepts for ZIP code 22520. Using any city not on this list may result in mail delivery delays.

City	Status
Montross	Preferred

Nearby ZIP codes

20626 Coltons Point (7.4 mi) 22469 Hague (8.7 mi) 22572 Warsaw (10.3 mi) 20606 Abell (10.3 mi) 22443 Colonial Beach (10.7 mi) 22438 Champlain (11.2 mi) 20609 Avenue (11.5 mi) 20618 Bushwood (12.6 mi) 22488 Kinsale (12.9 mi) 20650 Leonardtown (14.2 mi) 20645 Issue (14.4 mi) 20674 Piney Point (14.9 mi)

Demographics updated 05/2026

Population
Total population	4,673
Population density	48 / sq mi
State FIPS	51
County FIPS	193

Geography
Land area	96.49 sq mi
Water area	11.94 sq mi
Latitude	38.1095
Longitude	-76.8077
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	44.4%	47.4%	32.9%
$50k – $100k	24.2%	27.6%	29.2%
$100k – $200k	23.3%	19.0%	26.3%
Over $200k	8.1%	6.0%	11.6%

Demographics & statistics

4,673

Population

People per sq mi

50.7

Median age

$64,464

Median household income

$40,692

Per capita income

$237,000

Median home value

$930

Median monthly rent

81.2%

Home ownership

10.7%

Poverty rate

8.5%

Unemployment

2,577

Housing units

20.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

109

123

10–14

139

103

15–19

117

20–24

248

25–34

279

218

35–44

245

357

45–54

402

115

55–59

129

216

60–64

244

249

65–74

280

278

75–84

314

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	703	15.0%
18 and over	3,970	85.0%
65 and over	1,279	27.4%
Median age	50.7 years

Race & ethnicity

White 54.5%

Black or African American 28.4%

Two or more races 7.1%

Hispanic or Latino 6.2%

Other race 3.2%

Asian 0.7%

Group	Count	%
White	2,715	54.5%
Black or African American	1,414	28.4%
Two or more races	352	7.1%
Hispanic or Latino	307	6.2%
Other race	159	3.2%
Asian	33	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.4%	47.4%	32.9%
$50k – $100k	24.2%	27.6%	29.2%
$100k – $200k	23.3%	19.0%	26.3%
Over $200k	8.1%	6.0%	11.6%

Under $10k 8.4%

$10k–$15k 2.3%

$15k–$25k 7.6%

$25k–$35k 3.3%

$35k–$50k 17.7%

$50k–$75k 16.3%

$75k–$100k 13.7%

$100k–$150k 16.7%

$150k–$200k 6.5%

$200k+ 7.5%

Range	% of households
Under $10k	8.4%
$10k–$15k	2.3%
$15k–$25k	7.6%
$25k–$35k	3.3%
$35k–$50k	17.7%
$50k–$75k	16.3%
$75k–$100k	13.7%
$100k–$150k	16.7%
$150k–$200k	6.5%
$200k+	7.5%
Median income	$64,464

Housing

Home values

Under $50k 5.9%

$50k–$100k 4.8%

$100k–$150k 5.1%

$150k–$200k 19.6%

$200k–$300k 31.1%

$300k–$500k 22.0%

$500k–$1M 10.9%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$237,000
Median rent / month	$930
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	35.5%
Single-family detached	88.0%
Large apartment buildings	0.1%
Mobile homes	9.9%
Median rooms	5.8
Avg household size (owned)	2.50

Year built

Era	%
2020 or later	0.2%
2010–2019	8.6%
2000–2009	19.2%
1990–1999	18.5%
1980–1989	10.6%
1970–1979	15.4%
1960–1969	8.3%
1950–1959	6.1%
1940–1949	4.2%
1939 or earlier	8.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	4.4%
2 bedrooms	17.3%
3 bedrooms	67.3%
4 bedrooms	9.0%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	27.0%
2 vehicles	36.2%
3 or more	33.1%

Heating fuel

Fuel type	%
Utility gas	1.6%
Electricity	75.8%
Propane / LP gas	4.5%
Fuel oil	13.2%
Wood	4.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	843	44.6%
Cohabiting couple	71	3.8%
Male householder, no spouse	369	19.5%
Female householder, no spouse	608	32.2%
Households with children under 18	420	22.2%
Households with seniors (65+)	935	49.4%
Average household size	2.47

Marital status

Status	Male	Female
Never married	28.3%	27.4%
Married	47.2%	50.0%
Separated	0.1%	4.3%
Widowed	5.1%	12.2%
Divorced	19.3%	6.1%

Education

Less than 9th grade 5.9%

Some HS, no diploma 11.2%

HS graduate 37.6%

Some college, no degree 17.3%

Associate's degree 7.8%

Bachelor's degree 10.8%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	82.9%
Bachelor's or higher	20.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	40	5.2%
Kindergarten	3	0.4%
Elementary school	353	45.7%
High school	309	40.0%
College / grad school	68	8.8%

Employment

Industry of employment

Public administration 17.9%

Education & healthcare 16.6%

Retail trade 14.4%

Professional & management 13.2%

Construction 9.9%

Arts, food & hospitality 8.7%

Other services 5.4%

Transportation & utilities 4.4%

Manufacturing 4.0%

Wholesale trade 2.8%

Finance & real estate 1.6%

Agriculture & mining 0.7%

Information 0.5%

Occupation

Category	%
Management, business & arts	30.7%
Service	24.2%
Sales & office	20.9%
Natural resources & construction	12.3%
Production & transportation	11.8%

Employment type

Type	%
Private sector	63.9%
Government	23.1%
Self-employed	11.1%
Unpaid family workers	1.9%

Commute

Method	%
Drive alone	76.0%
Carpool	7.2%
Public transit	2.0%
Walk	2.0%
Work from home	12.5%
Other means	0.3%
Avg commute (minutes)	39.7

Poverty

All people 10.7%

Under 18 years 17.5%

18 and over 9.5%

Married-couple families 1.5%

Female-led households 36.7%

Income support

Source	% of households
Social Security	52.4%
Retirement income	38.3%
Supplemental Security	3.0%
Cash public assistance	3.6%
Food stamps / SNAP	11.6%

Health indicators

Condition	%
Obesity	40.6%
High blood pressure	43.4%
High cholesterol	37.1%
Diabetes	15.2%
Heart disease	8.3%
Stroke	4.4%
Asthma	10.2%
Arthritis	32.3%
Kidney disease	3.8%
Pulmonary disease	8.6%
Cancer	8.2%

Behavior / access	%
Smoking	18.8%
Binge drinking	12.9%
No physical activity	26.6%
Less than 7 hrs sleep	37.9%
Depression	19.5%
Fair or poor health	19.1%
Poor mental health	13.5%
Poor physical health	11.8%
No health insurance	14.6%
Visited doctor (checkup)	79.9%
Visited dentist	62.2%
Cholesterol screening	92.4%
Teeth loss	14.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	424	10.7%

Disability	%
Any disability	17.0%
Under 18	3.6%
18–64 years	10.5%
65 and over	38.1%

Health insurance coverage

Type	%
Private insurance	74.6%
Public insurance	44.5%
No insurance	3.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,542	97.2%
Spanish	144	3.2%
Other Indo-European	108	2.4%
Asian & Pacific Islander	34	0.7%
Other languages	2	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,492	96.1%
Born in same state	4,462	95.5%
Born in different state	2,656	56.8%
Foreign born	30	0.6%
Naturalized citizen	181	3.9%
Not a US citizen	179	98.9%

Ancestry

Ancestry	Count	%
French	513	11%
Italian	377	8.1%
Arab	207	4.4%
Irish	47	1%

Ancestry	Count	%
English	17	0.4%
Norwegian	7	0.1%
German	6	0.1%
Dutch	5	0.1%

Technology access

Metric	% of households
Computer access	40.5%
Internet access	85.7%

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

Frequently asked questions about ZIP code 22520

What city is ZIP code 22520 in?

ZIP code 22520 is primarily assigned to Montross, Virginia.

What county is ZIP code 22520 in?

ZIP code 22520 falls within Westmoreland County, Virginia.

Does ZIP code 22520 have an older population?

27% of residents in ZIP code 22520 are 65 or older, above the national average of ~17%.

Does ZIP code 22520 have a large retiree population?

52% of households in ZIP code 22520 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 22520 mostly owner-occupied?

81% of occupied units in ZIP code 22520 are owner-occupied, well above the national average.

Does ZIP code 22520 have a large veteran population?

11% of civilians in ZIP code 22520 are veterans, above the national average of ~7%.

What timezone is ZIP code 22520 in?

ZIP code 22520 observes the EST timezone.