Moneta ZIP Codes — Bedford County, VA

There is one unique ZIP code in Moneta, Virginia and it is 24121. Area code: 540.

ZIP codes

91.82

sq mi land

10.20

sq mi water

540

area code

Moneta, VA ZIP code map

About Moneta, VA

Moneta, Virginia, is a quaint community situated in Bedford County. Known for its picturesque landscapes and close-knit atmosphere, the city offers a blend of serenity and recreational opportunities. It serves as a gateway to the scenic beauty of Smith Mountain Lake, attracting visitors year-round.

Location & geography

Geographically, Moneta is nestled in the central part of Virginia, approximately 20 miles from the larger city of Lynchburg. It is bordered by beautiful water bodies, contributing to its natural charm, with 10.20 square miles designated as water area. The land area of Moneta stretches across 91.82 square miles, providing ample room for outdoor activities and exploration.

Community & economy

The community of Moneta embodies a warm, welcoming character replete with southern charm. Residents primarily engage in industries related to tourism and recreation, particularly those focusing on Smith Mountain Lake, which enhances the area's economy. Daily life in Moneta is characterized by a laid-back approach, with local gatherings and outdoor events fostering a strong sense of community.

Transportation

Moneta is accessible via major highways, including U.S. Route 122, making it convenient for both residents and visitors. The nearest airport is the Lynchburg Regional Airport, located about 30 miles away, providing connections to larger destinations. Public transportation options are limited, so most residents rely on personal vehicles for commuting.

History

Moneta was founded in the early 19th century and has maintained its small-town roots throughout its development. Historically, the local economy was supported by agriculture and industries tied to the lake, which attracted visitors and new residents to the area over time. One notable event in its history includes the establishment of recreational facilities around Smith Mountain Lake, which dramatically changed the local landscape and economy.

Did you know?

A little-known fact about Moneta is its close proximity to Smith Mountain Lake, one of Virginia's largest lakes, which is a significant draw for fishing, boating, and other recreational activities. Additionally, the area is celebrated for its vibrant autumn foliage, attracting photographers and nature lovers alike during the fall season.

ZIP codes for Moneta, VA (1)

ZIP code	City	County	Map
24121	Moneta	Bedford	View map

Demographics & statistics

11,043

Population

56.1

Median age

$84,421

Median household income

$48,694

Per capita income

$330,900

Median home value

$1,125

Median monthly rent

90.3%

Home ownership

7.9%

Poverty rate

4.6%

Unemployment

7,117

Housing units

34.1%

Bachelor's or higher

Age distribution

Male Female

213

Under 5

219

166

5–9

171

286

10–14

295

238

15–19

246

289

20–24

297

416

25–34

428

393

35–44

404

614

45–54

633

546

55–59

562

529

60–64

544

1,189

65–74

1,225

435

75–84

449

126

85+

130

← Male

Female →

Age summary

Group	Count	%
Under 18	1,727	15.6%
18 and over	9,316	84.4%
65 and over	3,554	32.2%
Median age	56.1 years

Race & ethnicity

White 93.5%

Black or African American 2.7%

Two or more races 2%

Hispanic or Latino 1.5%

Asian 0.3%

Other race 0.1%

Group	Count	%
White	10,477	93.5%
Black or African American	300	2.7%
Two or more races	226	2%
Hispanic or Latino	166	1.5%
Asian	30	0.3%
Other race	6	0.1%

Household income

Under $10k 0.8%

$10k–$15k 1.6%

$15k–$25k 8.2%

$25k–$35k 9.6%

$35k–$50k 9.6%

$50k–$75k 14.1%

$75k–$100k 19.6%

$100k–$150k 14.9%

$150k–$200k 9.6%

$200k+ 12.0%

Range	% of households
Under $10k	0.8%
$10k–$15k	1.6%
$15k–$25k	8.2%
$25k–$35k	9.6%
$35k–$50k	9.6%
$50k–$75k	14.1%
$75k–$100k	19.6%
$100k–$150k	14.9%
$150k–$200k	9.6%
$200k+	12.0%
Median income	$84,421

Housing

Home values

Under $50k 5.4%

$50k–$100k 4.9%

$100k–$150k 7.4%

$150k–$200k 10.1%

$200k–$300k 18.7%

$300k–$500k 20.0%

$500k–$1M 27.1%

$1M+ 6.4%

Housing overview

Metric	Value
Median home value	$330,900
Median rent / month	$1,125
Owner occupied	90.3%
Renter occupied	9.7%
Vacant	36.1%
Single-family detached	71.2%
Large apartment buildings	2.7%
Mobile homes	14.4%
Median rooms	6.3
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.1%
2010–2019	10.0%
2000–2009	18.1%
1990–1999	23.8%
1980–1989	28.1%
1970–1979	10.7%
1960–1969	4.0%
1950–1959	3.1%
1940–1949	0.4%
1939 or earlier	1.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	2.0%
2 bedrooms	19.8%
3 bedrooms	54.0%
4 bedrooms	19.6%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	1.2%
1 vehicle	23.3%
2 vehicles	41.4%
3 or more	34.1%

Heating fuel

Fuel type	%
Utility gas	1.1%
Electricity	80.0%
Propane / LP gas	8.7%
Fuel oil	5.3%
Wood	3.5%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	2,976	61.4%
Cohabiting couple	278	5.7%
Male householder, no spouse	591	12.2%
Female householder, no spouse	1,001	20.7%
Households with children under 18	972	20.1%
Households with seniors (65+)	2,380	49.1%
Average household size	2.28

Marital status

Status	Male	Female
Never married	19.9%	17.0%
Married	68.2%	60.3%
Separated	0.7%	1.1%
Widowed	2.0%	9.1%
Divorced	9.1%	12.5%

Education

Less than 9th grade 1.8%

Some HS, no diploma 5.8%

HS graduate 28.1%

Some college, no degree 19.9%

Associate's degree 10.3%

Bachelor's degree 18.9%

Graduate / professional 15.2%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	34.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	69	4.0%
Kindergarten	49	2.8%
Elementary school	750	43.0%
High school	456	26.1%
College / grad school	420	24.1%

Employment

Industry of employment

Education & healthcare 18.2%

Professional & management 14.3%

Transportation & utilities 10.8%

Retail trade 10.1%

Finance & real estate 10.1%

Construction 8.1%

Manufacturing 7.5%

Arts, food & hospitality 6.5%

Public administration 4.5%

Other services 3.9%

Agriculture & mining 3.3%

Information 1.5%

Wholesale trade 1.2%

Occupation

Category	%
Management, business & arts	45.0%
Service	11.4%
Sales & office	19.8%
Natural resources & construction	7.6%
Production & transportation	16.2%

Employment type

Type	%
Private sector	75.3%
Government	16.2%
Self-employed	7.9%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	81.6%
Carpool	3.4%
Public transit	0.4%
Walk	0.0%
Other means	0.0%
Avg commute (minutes)	33.0

Poverty

All people 7.9%

Under 18 years 11.3%

18 and over 7.3%

Married-couple families 4.5%

Female-led households 4.3%

Income support

Source	% of households
Social Security	55.3%
Retirement income	43.6%
Supplemental Security	3.6%
Cash public assistance	1.1%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
High blood pressure	40.4%
High cholesterol	39.4%
Heart disease	8.1%
Stroke	3.7%
Asthma	9.3%
Arthritis	33.0%
Kidney disease	3.4%
Pulmonary disease	8.6%
Cancer	8.7%

Behavior / access	%
Binge drinking	14.5%
No physical activity	22.2%
Less than 7 hrs sleep	31.6%
Fair or poor health	15.4%
Poor mental health	12.8%
Poor physical health	11.0%
No health insurance	11.1%
Visited doctor (checkup)	78.3%
Visited dentist	69.3%
Cholesterol screening	92.9%
Teeth loss	10.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,212	13.0%

Disability	%
Any disability	14.7%
Under 18	7.4%
18–64 years	12.9%
65 and over	21.2%

Health insurance coverage

Type	%
Private insurance	66.7%
Public insurance	51.1%
Uninsured under 19	3.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,611	96.1%
Spanish	76	0.7%
Other Indo-European	54	0.5%
Asian & Pacific Islander	9	0.1%
Other languages	13	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,765	97.5%
Born in same state	10,649	96.4%
Born in different state	5,908	53.5%
Foreign born	116	1.1%
Naturalized citizen	278	2.5%
Not a US citizen	173	62.2%

Ancestry

Ancestry	Count	%
French	1,694	15.3%
Arab	1,463	13.2%
Italian	1,411	12.8%
English	159	1.4%
Polish	91	0.8%

Ancestry	Count	%
Dutch	60	0.5%
Norwegian	49	0.4%
Irish	23	0.2%
German	19	0.2%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	94.3%

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

Frequently asked questions

What ZIP codes does Moneta, VA have?

Moneta, VA has one ZIP code: 24121. Each ZIP code serves a distinct delivery area within the city and surrounding region.