HomeVirginiaCharles City County
Charles City County, Virginia: commercial real estate data.
Charles City County, Virginia has a population of 6,627 across 183 square miles, down 3.1 percent since the 2020 census base. County output reached $358.3 m in 2024, 153 establishments operate here, and the SBA record carries 4 7(a) approvals worth $4.0 m.
113 sourced county values · tier FULL · 10 sections
Charles City County
How many people live in Charles City County
- Population6,627
- Households2,911
- Average household size2.28
- Median household income$75,417
- Median age52.6
- Median gross rent$1,099 per month
- Median owner-occupied home value$241,400
- Home value to household income3.2 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher17.3 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over5,243
- Population under 18941
- Share under 1814.2 percent
- Population 65 and over1,782
- Share 65 and over26.9 percent
- Working age population, 18 to 643,904
- Civilian labor force3,381
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over59.5 percent
- Rank by population among Virginia counties124th of 133
- Rank by population among US county-equivalents2767th
Charles City County is the 124th 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 26.9 percent against 14.2 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.
Charles City County
Is Charles City County growing
- Population change since the 2020 census base-3.06 percent
- Census 2020 base population6,771
- Births, 202432
- Deaths, 202480
- Natural change, 2024-48
- Net domestic migration, 2024-23
- Net international migration, 20241
- Total net migration, 2024-22
- Cumulative net domestic migration, 2021 to 202486
- Rank by growth among US county-equivalents2752nd
The county has lost 3.06 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Charles City County
Where people moving to Charles City County come from
- Tax returns filed by households arriving190
- People arriving, from those returns341
- Adjusted gross income arriving$12.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,411
- Largest single originCharles City County Non-migrants (2,720 households)
- Largest single destination (2,720 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Charles City County Non-migrants | 2,720 | 4,830 | $218.2 m |
| Other flows - Same State | 87 | 158 | $6.1 m |
| Henrico County | 51 | 87 | $3.1 m |
| New Kent County | 29 | 56 | $1.7 m |
| Chesterfield County | 23 | 40 | $1.6 m |
The largest single source of arrivals is Charles City 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.
Charles City County
What the Charles City County economy runs on
- County GDP, 2024$358.3 m
- County GDP, 2023$335.9 m
- GDP change, 2023 to 20246.7 percent
- GDP change over five years46.4 percent
- Rank by GDP among Virginia counties97th
- Rank by GDP among US county-equivalents2610th
- GDP per resident$54,070
Output grew 6.7 percent in the latest year and 46.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Charles City County
Who employs people in Charles City County
- Covered employment, annual average1,782
- Establishments reporting237
- Average annual pay$59,048
- Average weekly wage$1,136
- Sector 23, employment485
- Sector 23, average annual pay$68,208
- Sector 48-49, employment136
- Sector 48-49, average annual pay$61,210
- Sector 31-33, employment125
- Sector 31-33, average annual pay$58,983
- Sector 56, employment69
- Sector 56, average annual pay$53,386
- Sector 72, employment52
- Sector 71, employment30
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 485 | 33 | $68,208 |
| Sector 48-49 | 136 | 14 | $61,210 |
| Sector 31-33 | 125 | 11 | $58,983 |
| Sector 56 | 69 | 16 | $53,386 |
| Sector 72 | 52 | 3 | $27,434 |
| Sector 71 | 30 | 6 | $32,284 |
| Sector 81 | 30 | 16 | $51,428 |
The largest sector is the biggest private employer group at 485 jobs, 27.2 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.
Charles City County
What businesses operate in Charles City County
- Establishments, all industries153
- Employment at those establishments1,635
- Annual payroll$89.9 m
- Establishments per 1,000 residents23.1
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.
Charles City County
What is being built in Charles City County
- Housing units authorised by permit, 202430
- Declared construction value permitted$6.1 m
- Single family units authorised30
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$202,289
- Units authorised per 1,000 households10.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Charles City County
How much SBA lending happens in Charles City County
- 7(a) approvals recorded4
- 7(a) gross approval dollars$4.0 m
- Average 7(a) approval$990,375
- Median 7(a) approval$821,500
- 10th percentile approval$200,000
- 90th percentile approval$2,690,000
- Largest single approval$2,690,000
- Jobs reported supported, 7(a)69
- Jobs per approval17.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans2
- Franchise share of approvals50.0 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (2)
- Most active lenderTowneBank (2)
- 504 approvals recorded3
- 504 gross approval dollars$1.3 m
- Average 504 approval$418,333
- Median 504 approval$423,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved14.3
- Most active CDC504 Capital Corporation (2)
- 7(a) share of SBA approvals57.1 percent
- Combined SBA approval dollars$5.2 m
The average approval of $990,375 sits close to the median of $821,500, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Charles City County
Do SBA loans in Charles City County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Charles City County
How big is Charles City County
- Land area183 sq mi
- Rank by land area among Virginia counties89th of 133
- Width, east to west21.8 mi
- Height, north to south18.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.84
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 Charles City 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 Charles City County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population6,627
- Households2,911
- Average household size2.28
- Median household income$75,417
- Median age52.6
Common questions
Charles City County questions, answered from the record.
How many people live in Charles City County, Virginia?
6,627, in 2,911 households, ranking 124th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Charles City County growing?
The population has fallen 3.06 percent since the 2020 census base. In 2024 there were 32 births against 80 deaths, with net migration of -22. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Charles City County?
$75,417. The median owner-occupied home is valued at $241,400, which is 3.2 times income, and median gross rent is $1,099 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Charles City County?
153 establishments, employing 1,635 people with an annual payroll of $89.9 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 Charles City County?
Average annual pay is $59,048, or $1,136 a week, across 1,782 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Charles City County?
4 7(a) approvals totalling $4.0 m since FY2020, across 3 lenders, with a median approval of $821,500, plus 3 504 approvals worth $1.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Charles City County?
30 housing units were authorised by permit in 2024, with a declared construction value of $6.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Charles City County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Charles City County come from?
The largest single origin is Charles City County Non-migrants, with 2,720 households. Arriving households report an average income of $65,411 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 Charles City 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 Charles City 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.