Callaghan, VA population, income and ZIP codes

Callaghan CDP is a very small community in Virginia, with 277 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #543 of 688 ranked by population — larger than 21% of them. The median age here is 56.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Callaghan CDP earn a median of $100,781 a year, 28.3% above the national figure of $78,538 and 21% above the $82,986 median for the 383 Virginia cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 13.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Callaghan CDP is valued at $171,400, 43.5% below the national figure and 41% below the $291,300 peer median, while median gross rent runs $912 a month, 35.1% below the national figure, or roughly $10,944 across a full year. A household on the local median income would put about 10.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 1.7×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 75.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 56.3 puts Callaghan CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.