20197 ZIP Code — Waterford, VA

Loudoun County, Virginia

ZIP code 20197 is located in Waterford, Virginia, within Loudoun County. It covers approximately 14.69 square miles and serves a population of 2,359 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 571/703.

About ZIP code 20197

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 $919,900. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($224,620) 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.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 32 minutes is near the national average. Remote work is prevalent — 39% of workers work from home.

Educational attainment is high — 67% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 20197 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

2,359

population

14.69

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20197 ZIP code map

Cities in ZIP code 20197

Below are the cities the US Postal Service accepts for ZIP code 20197. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Preferred

Nearby ZIP codes

20129 Paeonian Springs (2.4 mi) 20158 Hamilton (4 mi) 20180 Lovettsville (5.3 mi) 20132 Purcellville (5.9 mi) 20176 Leesburg (6 mi) 21790 Tuscarora (7.8 mi) 21777 Point Of Rocks (8.1 mi) 21716 Brunswick (8.6 mi) 20175 Leesburg (9.8 mi) 20104 Dulles (10.1 mi) 20103 Dulles (10.1 mi) 25425 Harpers Ferry (10.2 mi)

Demographics updated 05/2026

Population
Total population	2,359
Population density	161 / sq mi
State FIPS	51
County FIPS	107

Geography
Land area	14.69 sq mi
Water area	0.12 sq mi
Latitude	39.1924
Longitude	-77.6253
Timezone	Eastern (ET)
Area code	571/703

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	10.9%	12.4%	32.9%
$50k – $100k	13.1%	18.8%	29.2%
$100k – $200k	31.6%	37.1%	26.3%
Over $200k	44.3%	31.8%	11.6%

Demographics & statistics

2,359

Population

161

People per sq mi

43.8

Median age

$224,620

Median household income

$90,364

Per capita income

$919,900

Median home value

Median monthly rent

88.8%

Home ownership

3.8%

Poverty rate

11.3%

Unemployment

744

Housing units

66.9%

Bachelor's or higher

Age distribution

Male Female

140

Under 5

130

5–9

10–14

15–19

20–24

105

25–34

135

35–44

126

254

45–54

238

55–59

60–64

139

65–74

129

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	672	28.5%
18 and over	1,687	71.5%
65 and over	313	13.3%
Median age	43.8 years

Race & ethnicity

White 86.3%

Two or more races 6.5%

Hispanic or Latino 6.4%

Other race 0.8%

Group	Count	%
White	2,175	86.3%
Two or more races	163	6.5%
Hispanic or Latino	162	6.4%
Other race	20	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	10.9%	12.4%	32.9%
$50k – $100k	13.1%	18.8%	29.2%
$100k – $200k	31.6%	37.1%	26.3%
Over $200k	44.3%	31.8%	11.6%

Under $10k 9.2%

$15k–$25k 1.9%

$50k–$75k 1.1%

$75k–$100k 10.7%

$100k–$150k 15.3%

$150k–$200k 6.1%

$200k+ 55.7%

Range	% of households
Under $10k	9.2%
$15k–$25k	1.9%
$50k–$75k	1.1%
$75k–$100k	10.7%
$100k–$150k	15.3%
$150k–$200k	6.1%
$200k+	55.7%
Median income	$224,620

Housing

Home values

$100k–$150k 1.2%

$300k–$500k 4.4%

$500k–$1M 61.0%

$1M+ 33.3%

Housing overview

Metric	Value
Median home value	$919,900
Median rent / month	$0
Owner occupied	88.8%
Renter occupied	11.2%
Vacant	0.0%
Single-family detached	100.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	10.0
Avg household size (owned)	3.00

Year built

Era	%
2020 or later	2.1%
2010–2019	16.9%
2000–2009	19.8%
1990–1999	20.0%
1980–1989	7.6%
1970–1979	9.9%
1960–1969	0.0%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	23.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	1.2%
3 bedrooms	15.2%
4 bedrooms	62.9%
5+ bedrooms	20.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.9%
1 vehicle	16.9%
2 vehicles	27.6%
3 or more	51.6%

Heating fuel

Fuel type	%
Utility gas	2.4%
Electricity	33.2%
Propane / LP gas	48.3%
Fuel oil	14.0%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	651	77.7%
Cohabiting couple	7	0.8%
Male householder, no spouse	119	14.2%
Female householder, no spouse	61	7.3%
Households with children under 18	338	40.3%
Households with seniors (65+)	190	22.7%
Average household size	2.82

Marital status

Status	Male	Female
Never married	18.6%	8.5%
Married	70.6%	78.1%
Separated	0.0%	5.8%
Widowed	0.0%	4.4%
Divorced	10.8%	3.2%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.1%

HS graduate 5.8%

Some college, no degree 21.4%

Associate's degree 5.8%

Bachelor's degree 41.9%

Graduate / professional 24.9%

Metric	%
HS diploma or higher	99.9%
Bachelor's or higher	66.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	84	13.7%
Kindergarten	86	14.0%
Elementary school	212	34.6%
High school	104	17.0%
College / grad school	127	20.7%

Employment

Industry of employment

Professional & management 31.6%

Education & healthcare 14.3%

Finance & real estate 10.4%

Arts, food & hospitality 7.3%

Manufacturing 5.8%

Transportation & utilities 5.5%

Wholesale trade 5.3%

Construction 4.5%

Information 4.4%

Retail trade 3.9%

Public administration 3.6%

Other services 1.9%

Agriculture & mining 1.3%

Occupation

Category	%
Management, business & arts	62.8%
Service	6.7%
Sales & office	21.5%
Natural resources & construction	2.7%
Production & transportation	6.4%

Employment type

Type	%
Private sector	82.4%
Government	11.1%
Self-employed	6.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	54.9%
Carpool	2.4%
Public transit	2.0%
Walk	2.1%
Work from home	38.7%
Other means	0.0%
Avg commute (minutes)	31.7

Poverty

All people 3.8%

Under 18 years 0.0%

18 and over 5.3%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	20.5%
Retirement income	21.6%
Supplemental Security	0.2%
Cash public assistance	1.1%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	30.0%
High blood pressure	30.1%
High cholesterol	34.3%
Diabetes	8.5%
Heart disease	4.9%
Stroke	2.1%
Asthma	8.7%
Arthritis	24.0%
Kidney disease	2.2%
Pulmonary disease	4.7%
Cancer	7.0%

Behavior / access	%
Smoking	11.0%
Binge drinking	15.5%
No physical activity	14.8%
Less than 7 hrs sleep	30.2%
Depression	17.7%
Fair or poor health	9.3%
Poor mental health	10.9%
Poor physical health	7.2%
No health insurance	8.0%
Visited doctor (checkup)	75.3%
Visited dentist	77.5%
Cholesterol screening	94.7%
Teeth loss	5.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	156	9.2%

Disability	%
Any disability	6.1%
Under 18	0.0%
18–64 years	6.3%
65 and over	18.2%

Health insurance coverage

Type	%
Private insurance	85.5%
Public insurance	17.9%
No insurance	12.0%
Uninsured under 19	9.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,089	88.6%
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)	2,293	97.2%
Born in same state	2,249	95.3%
Born in different state	876	37.1%
Foreign born	44	1.9%
Naturalized citizen	66	2.8%
Not a US citizen	57	86.4%

Ancestry

Ancestry	Count	%
Italian	294	12.5%
French	292	12.4%
Arab	175	7.4%

Ancestry	Count	%
Irish	77	3.3%
English	22	0.9%
Norwegian	8	0.3%

Technology access

Metric	% of households
Computer access	35.5%
Internet access	100.0%

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

Frequently asked questions about ZIP code 20197

What city is ZIP code 20197 in?

ZIP code 20197 is primarily assigned to Waterford, Virginia.

What county is ZIP code 20197 in?

ZIP code 20197 falls within Loudoun County, Virginia.

How educated is the population of ZIP code 20197?

67% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 20197 mostly owner-occupied?

89% of occupied units in ZIP code 20197 are owner-occupied, well above the national average.

What is the median household income in ZIP code 20197?

The median household income in ZIP code 20197 is $224,620, above the national median of ~$75,000.

What is the typical home value in ZIP code 20197?

The median home value in ZIP code 20197 is $919,900.

What timezone is ZIP code 20197 in?

ZIP code 20197 observes the EST timezone.