22974 ZIP Code — Troy, VA

Fluvanna County, Virginia

ZIP code 22974 is located in Troy, Virginia, within Fluvanna County. It covers approximately 36.06 square miles and serves a population of 4,740 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 434.

About ZIP code 22974

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 $299,500. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($104,570) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 38% 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 28 minutes is near the national average.

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

Overall, ZIP code 22974 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,740

population

36.06

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

22974 ZIP code map

Cities in ZIP code 22974

Below are the cities the US Postal Service accepts for ZIP code 22974. Using any city not on this list may result in mail delivery delays.

City	Status
Troy	Preferred

Nearby ZIP codes

22947 Keswick (7 mi) 22963 Palmyra (8.8 mi) 23084 Kents Store (10.3 mi) 22942 Gordonsville (11 mi) 22902 Charlottesville (11.2 mi) 23093 Louisa (11.4 mi) 22911 Charlottesville (11.9 mi) 22907 Charlottesville (12.5 mi) 22908 Charlottesville (12.5 mi) 22910 Charlottesville (12.5 mi) 22909 Charlottesville (12.7 mi) 23055 Fork Union (12.8 mi)

Demographics updated 05/2026

Population
Total population	4,740
Population density	131 / sq mi
State FIPS	51
County FIPS	065

Geography
Land area	36.06 sq mi
Water area	0.28 sq mi
Latitude	37.9623
Longitude	-78.2633
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	16.2%	29.8%	32.9%
$50k – $100k	39.7%	36.5%	29.2%
$100k – $200k	38.2%	24.9%	26.3%
Over $200k	5.9%	8.8%	11.6%

Demographics & statistics

4,740

Population

131

People per sq mi

44.2

Median age

$104,570

Median household income

$42,176

Per capita income

$299,500

Median home value

$1,000

Median monthly rent

90.7%

Home ownership

3.6%

Poverty rate

0.9%

Unemployment

1,290

Housing units

26.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

144

10–14

101

15–19

128

20–24

220

25–34

346

406

35–44

638

268

45–54

421

146

55–59

228

153

60–64

239

212

65–74

333

105

75–84

164

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	592	12.5%
18 and over	4,148	87.5%
65 and over	871	18.4%
Median age	44.2 years

Race & ethnicity

White 72.2%

Black or African American 15.7%

Two or more races 6.9%

Hispanic or Latino 2%

Asian 1.4%

Other race 1.2%

American Indian / Alaska Native 0.7%

Group	Count	%
White	3,492	72.2%
Black or African American	757	15.7%
Two or more races	332	6.9%
Hispanic or Latino	97	2%
Asian	67	1.4%
Other race	59	1.2%
American Indian / Alaska Native	33	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.2%	29.8%	32.9%
$50k – $100k	39.7%	36.5%	29.2%
$100k – $200k	38.2%	24.9%	26.3%
Over $200k	5.9%	8.8%	11.6%

$15k–$25k 6.6%

$25k–$35k 2.2%

$35k–$50k 5.5%

$50k–$75k 18.0%

$75k–$100k 13.1%

$100k–$150k 32.0%

$150k–$200k 9.0%

$200k+ 13.4%

Range	% of households
$15k–$25k	6.6%
$25k–$35k	2.2%
$35k–$50k	5.5%
$50k–$75k	18.0%
$75k–$100k	13.1%
$100k–$150k	32.0%
$150k–$200k	9.0%
$200k+	13.4%
Median income	$104,570

Housing

Home values

Under $50k 4.5%

$100k–$150k 4.4%

$150k–$200k 3.7%

$200k–$300k 37.6%

$300k–$500k 38.0%

$500k–$1M 9.2%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$299,500
Median rent / month	$1,000
Owner occupied	90.7%
Renter occupied	9.3%
Vacant	5.4%
Single-family detached	92.4%
Large apartment buildings	0.0%
Mobile homes	6.1%
Median rooms	6.4
Avg household size (owned)	2.72

Year built

Era	%
2020 or later	0.0%
2010–2019	12.4%
2000–2009	19.3%
1990–1999	28.3%
1980–1989	15.8%
1970–1979	12.0%
1960–1969	6.1%
1950–1959	3.5%
1940–1949	0.5%
1939 or earlier	2.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.9%
2 bedrooms	10.9%
3 bedrooms	53.6%
4 bedrooms	25.9%
5+ bedrooms	6.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	10.8%
2 vehicles	37.2%
3 or more	50.9%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	72.7%
Propane / LP gas	18.1%
Fuel oil	1.1%
Wood	5.2%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	979	73.1%
Cohabiting couple	112	8.4%
Male householder, no spouse	96	7.2%
Female householder, no spouse	152	11.4%
Households with children under 18	452	33.8%
Households with seniors (65+)	539	40.3%
Average household size	2.66

Marital status

Status	Male	Female
Never married	24.9%	19.6%
Married	64.9%	42.3%
Separated	1.1%	6.5%
Widowed	1.4%	9.5%
Divorced	7.7%	22.1%

Education

Less than 9th grade 4.3%

Some HS, no diploma 9.1%

HS graduate 24.8%

Some college, no degree 25.4%

Associate's degree 9.9%

Bachelor's degree 19.1%

Graduate / professional 7.5%

Metric	%
HS diploma or higher	86.6%
Bachelor's or higher	26.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	2.6%
Kindergarten	86	9.0%
Elementary school	292	30.4%
High school	205	21.4%
College / grad school	351	36.6%

Employment

Industry of employment

Education & healthcare 31.1%

Professional & management 15.1%

Retail trade 13.7%

Finance & real estate 7.3%

Public administration 6.5%

Construction 6.4%

Arts, food & hospitality 6.3%

Transportation & utilities 4.8%

Manufacturing 4.7%

Other services 1.7%

Wholesale trade 1.5%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	39.7%
Service	24.5%
Sales & office	19.8%
Natural resources & construction	9.7%
Production & transportation	6.4%

Employment type

Type	%
Private sector	71.7%
Government	19.7%
Self-employed	6.3%
Unpaid family workers	2.3%

Commute

Method	%
Drive alone	81.2%
Carpool	7.6%
Public transit	0.0%
Walk	0.0%
Work from home	8.5%
Other means	2.7%
Avg commute (minutes)	27.7

Poverty

All people 3.6%

Under 18 years 8.1%

18 and over 2.7%

Married-couple families 4.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	37.8%
Retirement income	30.5%
Supplemental Security	4.6%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	31.1%
High cholesterol	30.1%
Diabetes	9.0%
Heart disease	4.7%
Stroke	2.5%
Asthma	10.3%
Arthritis	23.8%
Kidney disease	2.3%
Pulmonary disease	5.7%
Cancer	5.8%

Behavior / access	%
Smoking	17.2%
Binge drinking	15.8%
No physical activity	21.4%
Less than 7 hrs sleep	36.3%
Depression	21.6%
Fair or poor health	12.9%
Poor mental health	14.9%
Poor physical health	8.9%
No health insurance	12.3%
Visited doctor (checkup)	76.7%
Visited dentist	69.9%
Cholesterol screening	91.4%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	374	9.0%

Disability	%
Any disability	11.7%
Under 18	3.7%
18–64 years	10.7%
65 and over	19.6%

Health insurance coverage

Type	%
Private insurance	89.5%
Public insurance	26.1%
No insurance	2.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,680	98.7%
Spanish	47	1.0%
Other Indo-European	1	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	42	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,597	97.0%
Born in same state	4,391	92.6%
Born in different state	2,625	55.4%
Foreign born	206	4.3%
Naturalized citizen	143	3.0%
Not a US citizen	127	88.8%

Ancestry

Ancestry	Count	%
Arab	532	11.2%
French	489	10.3%
Italian	420	8.9%
English	222	4.7%

Ancestry	Count	%
German	29	0.6%
Dutch	21	0.4%
Irish	20	0.4%

Technology access

Metric	% of households
Computer access	28.2%
Internet access	97.1%

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

Frequently asked questions about ZIP code 22974

What city is ZIP code 22974 in?

ZIP code 22974 is primarily assigned to Troy, Virginia.

What county is ZIP code 22974 in?

ZIP code 22974 falls within Fluvanna County, Virginia.

Is ZIP code 22974 mostly owner-occupied?

91% of occupied units in ZIP code 22974 are owner-occupied, well above the national average.

Does ZIP code 22974 have a large retiree population?

38% of households in ZIP code 22974 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 22974?

The median household income in ZIP code 22974 is $104,570, above the national median of ~$75,000.

What is the population of ZIP code 22974?

ZIP code 22974 has an estimated population of 4,740 residents, with a density of 131 people per square mile.

What timezone is ZIP code 22974 in?

ZIP code 22974 observes the EST timezone.