22963 ZIP Code — Palmyra, VA

Fluvanna County, Virginia

ZIP code 22963 is located in Palmyra, Virginia, within Fluvanna County. It covers approximately 124.66 square miles and serves a population of 16,935 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 434.

About ZIP code 22963

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 $277,800. Owner-occupancy is high at 92%, well above the national average.

The gap between median ($98,229) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 33% 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 43% of residents holding a bachelor's degree or higher.

Overall, ZIP code 22963 reflects a community defined by high homeownership and a significant Social Security-dependent population.

16,935

population

124.66

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

22963 ZIP code map

Cities in ZIP code 22963

Below are the cities the US Postal Service accepts for ZIP code 22963. Using any city not on this list may result in mail delivery delays.

City	Status
Palmyra	Acceptable
Palmyra	Preferred

Nearby ZIP codes

23055 Fork Union (5.3 mi) 23022 Bremo Bluff (6.6 mi) 22974 Troy (8.8 mi) 23038 Columbia (9.8 mi) 23084 Kents Store (10.2 mi) 24590 Scottsville (11.3 mi) 22902 Charlottesville (13 mi) 23123 New Canton (13.4 mi) 23004 Arvonia (13.5 mi) 22947 Keswick (15.2 mi) 22946 Keene (15.7 mi) 23027 Cartersville (15.8 mi)

Demographics updated 05/2026

Population
Total population	16,935
Population density	136 / sq mi
State FIPS	51
County FIPS	065

Geography
Land area	124.66 sq mi
Water area	1.83 sq mi
Latitude	37.8357
Longitude	-78.2840
Timezone	Eastern (ET)
Area code	434

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.3%	29.8%	32.9%
$50k – $100k	38.5%	36.5%	29.2%
$100k – $200k	26.1%	24.9%	26.3%
Over $200k	9.2%	8.8%	11.6%

Demographics & statistics

16,935

Population

136

People per sq mi

41.8

Median age

$98,229

Median household income

$57,483

Per capita income

$277,800

Median home value

$1,577

Median monthly rent

91.7%

Home ownership

6.3%

Poverty rate

2.1%

Unemployment

6,556

Housing units

42.8%

Bachelor's or higher

Age distribution

Male Female

539

Under 5

579

491

5–9

526

400

10–14

429

517

15–19

554

397

20–24

425

1,062

25–34

1,139

935

35–44

1,003

968

45–54

1,038

701

55–59

753

491

60–64

527

1,029

65–74

1,104

501

75–84

538

139

85+

150

← Male

Female →

Age summary

Group	Count	%
Under 18	3,660	21.6%
18 and over	13,275	78.4%
65 and over	3,461	20.4%
Median age	41.8 years

Race & ethnicity

White 77.2%

Black or African American 9.3%

Two or more races 5.6%

Hispanic or Latino 3.6%

Other race 2.4%

Asian 1.7%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	13,574	77.2%
Black or African American	1,627	9.3%
Two or more races	992	5.6%
Hispanic or Latino	639	3.6%
Other race	428	2.4%
Asian	291	1.7%
Native Hawaiian / Pacific Islander	23	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.3%	29.8%	32.9%
$50k – $100k	38.5%	36.5%	29.2%
$100k – $200k	26.1%	24.9%	26.3%
Over $200k	9.2%	8.8%	11.6%

Under $10k 3.0%

$10k–$15k 1.5%

$15k–$25k 5.7%

$25k–$35k 5.1%

$35k–$50k 6.4%

$50k–$75k 11.8%

$75k–$100k 18.1%

$100k–$150k 23.2%

$150k–$200k 13.5%

$200k+ 11.9%

Range	% of households
Under $10k	3.0%
$10k–$15k	1.5%
$15k–$25k	5.7%
$25k–$35k	5.1%
$35k–$50k	6.4%
$50k–$75k	11.8%
$75k–$100k	18.1%
$100k–$150k	23.2%
$150k–$200k	13.5%
$200k+	11.9%
Median income	$98,229

Housing

Home values

Under $50k 2.6%

$50k–$100k 1.0%

$100k–$150k 3.7%

$150k–$200k 11.6%

$200k–$300k 39.8%

$300k–$500k 29.4%

$500k–$1M 11.4%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$277,800
Median rent / month	$1,577
Owner occupied	91.7%
Renter occupied	8.3%
Vacant	8.6%
Single-family detached	94.8%
Large apartment buildings	0.0%
Mobile homes	1.7%
Median rooms	6.5
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.9%
2010–2019	7.3%
2000–2009	26.6%
1990–1999	30.3%
1980–1989	17.0%
1970–1979	8.1%
1960–1969	2.6%
1950–1959	1.0%
1940–1949	1.8%
1939 or earlier	4.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	0.4%
2 bedrooms	9.6%
3 bedrooms	58.6%
4 bedrooms	24.4%
5+ bedrooms	6.1%

Vehicles per household

Vehicles	% of households
No vehicle	3.2%
1 vehicle	24.6%
2 vehicles	45.2%
3 or more	27.0%

Heating fuel

Fuel type	%
Utility gas	0.9%
Electricity	79.2%
Propane / LP gas	11.1%
Fuel oil	2.1%
Wood	5.7%
Solar	0.4%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,940	60.7%
Cohabiting couple	337	5.2%
Male householder, no spouse	840	12.9%
Female householder, no spouse	1,370	21.1%
Households with children under 18	2,141	33.0%
Households with seniors (65+)	2,265	34.9%
Average household size	2.61

Marital status

Status	Male	Female
Never married	25.6%	21.9%
Married	63.2%	57.2%
Separated	0.4%	1.6%
Widowed	2.5%	7.7%
Divorced	8.3%	11.6%

Education

Less than 9th grade 0.8%

Some HS, no diploma 2.0%

HS graduate 21.9%

Some college, no degree 24.5%

Associate's degree 8.0%

Bachelor's degree 24.9%

Graduate / professional 17.9%

Metric	%
HS diploma or higher	97.2%
Bachelor's or higher	42.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	237	6.8%
Kindergarten	368	10.6%
Elementary school	1,101	31.7%
High school	899	25.9%
College / grad school	863	24.9%

Employment

Industry of employment

Education & healthcare 34.0%

Retail trade 11.9%

Professional & management 8.9%

Arts, food & hospitality 8.7%

Construction 8.1%

Public administration 5.9%

Manufacturing 5.8%

Other services 5.4%

Transportation & utilities 5.0%

Finance & real estate 2.1%

Information 2.0%

Agriculture & mining 1.6%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	44.5%
Service	17.8%
Sales & office	18.8%
Natural resources & construction	9.0%
Production & transportation	10.0%

Employment type

Type	%
Private sector	73.2%
Government	21.4%
Self-employed	5.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.9%
Carpool	8.3%
Public transit	0.5%
Walk	1.4%
Work from home	12.9%
Other means	2.1%
Avg commute (minutes)	32.4

Poverty

All people 6.3%

Under 18 years 9.0%

18 and over 5.6%

Married-couple families 3.5%

Female-led households 4.1%

Income support

Source	% of households
Social Security	33.0%
Retirement income	30.4%
Supplemental Security	2.5%
Cash public assistance	0.8%
Food stamps / SNAP	2.2%

Health indicators

Condition	%
Obesity	33.6%
High blood pressure	34.2%
High cholesterol	34.0%
Diabetes	10.0%
Heart disease	5.9%
Stroke	2.8%
Asthma	9.1%
Arthritis	26.6%
Kidney disease	2.7%
Pulmonary disease	5.9%
Cancer	7.4%

Behavior / access	%
Smoking	14.4%
Binge drinking	16.1%
No physical activity	19.5%
Less than 7 hrs sleep	33.8%
Depression	19.5%
Fair or poor health	12.0%
Poor mental health	12.6%
Poor physical health	8.7%
No health insurance	10.3%
Visited doctor (checkup)	77.5%
Visited dentist	73.8%
Cholesterol screening	92.7%
Teeth loss	8.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,235	9.3%

Disability	%
Any disability	10.6%
Under 18	4.1%
18–64 years	6.9%
65 and over	28.1%

Health insurance coverage

Type	%
Private insurance	78.2%
Public insurance	30.0%
No insurance	8.1%
Uninsured under 19	8.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,817	93.4%
Spanish	288	1.8%
Other Indo-European	149	0.9%
Asian & Pacific Islander	60	0.4%
Other languages	79	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,482	97.3%
Born in same state	16,290	96.2%
Born in different state	8,876	52.4%
Foreign born	192	1.1%
Naturalized citizen	453	2.7%
Not a US citizen	398	87.9%

Ancestry

Ancestry	Count	%
French	2,403	14.2%
Italian	2,177	12.9%
Arab	1,032	6.1%
Irish	139	0.8%
German	138	0.8%

Ancestry	Count	%
Polish	127	0.7%
English	70	0.4%
Dutch	68	0.4%
Norwegian	40	0.2%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	97.3%

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

Frequently asked questions about ZIP code 22963

What city is ZIP code 22963 in?

ZIP code 22963 is primarily assigned to Palmyra, Virginia.

What county is ZIP code 22963 in?

ZIP code 22963 falls within Fluvanna County, Virginia.

Is ZIP code 22963 mostly owner-occupied?

92% of occupied units in ZIP code 22963 are owner-occupied, well above the national average.

Does ZIP code 22963 have a large veteran population?

9% of civilians in ZIP code 22963 are veterans, above the national average of ~7%.

What is the population of ZIP code 22963?

ZIP code 22963 has an estimated population of 16,935 residents, with a density of 136 people per square mile.

What is the median household income in ZIP code 22963?

The median household income in ZIP code 22963 is $98,229, above the national median of ~$75,000.

What timezone is ZIP code 22963 in?

ZIP code 22963 observes the EST timezone.