Campbell County, Virginia: commercial real estate data.
Campbell County, Virginia has a population of 55,312 across 504 square miles, down 0.6 percent since the 2020 census base. 1,216 establishments operate here, and the SBA record carries 31 7(a) approvals worth $17.5 m.
114 sourced county values · tier FULL · 10 sections
Campbell County
How many people live in Campbell County
- Population55,312
- Households22,240
- Average household size2.49
- Median household income$66,165
- Median age43.6
- Median gross rent$891 per month
- Median owner-occupied home value$211,600
- Home value to household income3.2 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree8.3 percent
- Adults 25 and over40,335
- Population under 1810,718
- Share under 1819.4 percent
- Population 65 and over11,771
- Share 65 and over21.3 percent
- Working age population, 18 to 6432,823
- Civilian labor force27,849
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over62.5 percent
- Rank by population among Virginia counties32nd of 133
- Rank by population among US county-equivalents941st
Campbell County is the 32nd largest of 133 Virginia counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 19.4 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Campbell County
Is Campbell County growing
- Population change since the 2020 census base-0.58 percent
- Census 2020 base population55,666
- Births, 2024349
- Deaths, 2024687
- Natural change, 2024-338
- Net domestic migration, 2024385
- Net international migration, 202453
- Total net migration, 2024438
- Cumulative net domestic migration, 2021 to 20241,009
- Rank by growth among US county-equivalents2048th
The county has lost 0.58 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Campbell County
Where people moving to Campbell County come from
- Tax returns filed by households arriving1,839
- People arriving, from those returns3,306
- Adjusted gross income arriving$93.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,079
- Largest single originCampbell County Non-migrants (20,124 households)
- Largest single destination (20,124 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Campbell County Non-migrants | 20,124 | 40,827 | $1.30 bn |
| Lynchburg city | 533 | 962 | $24.9 m |
| Other flows - Different State | 463 | 833 | $26.8 m |
| Other flows - Same State | 274 | 471 | $12.1 m |
| Bedford County | 263 | 504 | $16.7 m |
| Other flows - South | 238 | 429 | $12.9 m |
| Amherst County | 109 | 189 | $5.0 m |
| Pittsylvania County | 93 | 162 | $4.0 m |
The largest single source of arrivals is Campbell County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Campbell County
Who employs people in Campbell County
- Covered employment, annual average18,480
- Establishments reporting1,798
- Average annual pay$57,594
- Average weekly wage$1,108
- Sector 31-33, employment4,738
- Sector 31-33, average annual pay$89,520
- Sector 44-45, employment2,222
- Sector 44-45, average annual pay$30,942
- Sector 23, employment1,916
- Sector 23, average annual pay$62,762
- Sector 62, employment1,577
- Sector 62, average annual pay$39,984
- Sector 72, employment1,306
- Sector 42, employment783
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,738 | 79 | $89,520 |
| Sector 44-45 | 2,222 | 168 | $30,942 |
| Sector 23 | 1,916 | 200 | $62,762 |
| Sector 62 | 1,577 | 390 | $39,984 |
| Sector 72 | 1,306 | 89 | $20,700 |
| Sector 42 | 783 | 58 | $71,870 |
| Sector 56 | 713 | 92 | $42,479 |
| Sector 54 | 589 | 215 | $76,199 |
The largest sector is the biggest private employer group at 4,738 jobs, 25.6 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Campbell County
What businesses operate in Campbell County
- Establishments, all industries1,216
- Employment at those establishments17,025
- Annual payroll$950.5 m
- Establishments per 1,000 residents22.0
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Campbell County
What is being built in Campbell County
- Housing units authorised by permit, 2024315
- Declared construction value permitted$69.0 m
- Single family units authorised258
- Multifamily units authorised57
- Multifamily share of units18.1 percent
- Average declared value per unit$219,081
- Units authorised per 1,000 households14.2
Multifamily is 18.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Campbell County
How much SBA lending happens in Campbell County
- 7(a) approvals recorded31
- 7(a) gross approval dollars$17.5 m
- Average 7(a) approval$563,632
- Median 7(a) approval$260,000
- 10th percentile approval$50,000
- 90th percentile approval$1,075,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)421
- Jobs per approval13.6
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals23
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.6 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter23
- Franchise loans4
- Franchise share of approvals12.9 percent
- Leading industry by approval countMachine Shops (3)
- Most active lenderSelect Bank (6)
- 504 approvals recorded6
- 504 gross approval dollars$4.1 m
- Average 504 approval$687,667
- Median 504 approval$824,000
- Distinct CDCs active3
- 504 jobs per approval8.7
- 504 jobs per million dollars approved12.6
- Most active CDCBusiness Finance Group, Inc. (3)
- 7(a) share of SBA approvals83.8 percent
- Combined SBA approval dollars$21.6 m
The average approval of $563,632 sits well above the median of $260,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 22.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Campbell County
Do SBA loans in Campbell County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Exempt from disclosure22
- Status: Cancelled2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 6 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Campbell County
Which parts of Campbell County get the lending
- Places in the county with recorded lending7
- LYNCHBURG, approvals10
- RUSTBURG, approvals6
- Brookneal, approvals4
- ALTAVISTA, approvals4
- CONCORD, approvals4
- EVINGTON, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LYNCHBURG | 10 | $4,409,700 |
| RUSTBURG | 6 | $1,828,500 |
| Brookneal | 4 | $995,400 |
| ALTAVISTA | 4 | $7,184,000 |
| CONCORD | 4 | $2,520,000 |
| EVINGTON | 2 | $485,000 |
| Forest | 1 | $50,000 |
LYNCHBURG accounts for 10 approvals against 6 in RUSTBURG. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Campbell County
How big is Campbell County
- Land area504 sq mi
- Rank by land area among Virginia counties22nd of 133
- Width, east to west34.1 mi
- Height, north to south28.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land110
- Establishments per square mile2.41
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Campbell County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Campbell County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population55,312
- Households22,240
- Average household size2.49
- Median household income$66,165
- Median age43.6
Common questions
Campbell County questions, answered from the record.
How many people live in Campbell County, Virginia?
55,312, in 22,240 households, ranking 32nd of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Campbell County growing?
The population has fallen 0.58 percent since the 2020 census base. In 2024 there were 349 births against 687 deaths, with net migration of 438. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Campbell County?
$66,165. The median owner-occupied home is valued at $211,600, which is 3.2 times income, and median gross rent is $891 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Campbell County?
1,216 establishments, employing 17,025 people with an annual payroll of $950.5 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Campbell County?
Average annual pay is $57,594, or $1,108 a week, across 18,480 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Campbell County?
31 7(a) approvals totalling $17.5 m since FY2020, across 18 lenders, with a median approval of $260,000, plus 6 504 approvals worth $4.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Campbell County?
315 housing units were authorised by permit in 2024, with a declared construction value of $69.0 m. Multifamily was 18.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Campbell County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Campbell County come from?
The largest single origin is Campbell County Non-migrants, with 20,124 households. Arriving households report an average income of $51,079 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Campbell County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Campbell County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.