Culpeper County, Virginia: commercial real estate data.
Culpeper County, Virginia has a population of 54,397 across 379 square miles, up 6.8 percent since the 2020 census base. County output reached $2.72 bn in 2024, 1,126 establishments operate here, and the SBA record carries 27 7(a) approvals worth $16.3 m.
120 sourced county values · tier FULL · 11 sections
Culpeper County
How many people live in Culpeper County
- Population54,397
- Households18,924
- Average household size2.87
- Median household income$100,049
- Median age39.1
- Median gross rent$1,423 per month
- Median owner-occupied home value$409,200
- Home value to household income4.1 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher27.4 percent
- Adults 25 and over with a graduate degree9.5 percent
- Adults 25 and over36,346
- Population under 1813,685
- Share under 1825.2 percent
- Population 65 and over9,050
- Share 65 and over16.6 percent
- Working age population, 18 to 6431,662
- Civilian labor force27,029
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over66.4 percent
- Rank by population among Virginia counties34th of 133
- Rank by population among US county-equivalents957th
Culpeper County is the 34th largest of 133 Virginia counties by population. A median home costs 4.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.2 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Culpeper County
Is Culpeper County growing
- Population change since the 2020 census base6.81 percent
- Census 2020 base population52,546
- Births, 2024675
- Deaths, 2024529
- Natural change, 2024146
- Net domestic migration, 2024606
- Net international migration, 2024313
- Total net migration, 2024919
- Cumulative net domestic migration, 2021 to 20242,108
- Rank by growth among US county-equivalents317th
The county has grown 6.81 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Culpeper County
Where people moving to Culpeper County come from
- Tax returns filed by households arriving1,620
- People arriving, from those returns3,162
- Adjusted gross income arriving$116.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$72,157
- Largest single originCulpeper County Non-migrants (19,242 households)
- Largest single destination (19,242 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Culpeper County Non-migrants | 19,242 | 40,738 | $1.64 bn |
| Other flows - Different State | 399 | 746 | $30.9 m |
| Fauquier County | 227 | 476 | $15.3 m |
| Other flows - South | 222 | 404 | $17.4 m |
| Prince William County | 209 | 449 | $17.5 m |
| Other flows - Same State | 209 | 350 | $12.2 m |
| Fairfax County | 127 | 236 | $12.8 m |
| Orange County | 104 | 182 | $6.0 m |
The largest single source of arrivals is Culpeper 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.
Culpeper County
What the Culpeper County economy runs on
- County GDP, 2024$2.72 bn
- County GDP, 2023$2.54 bn
- GDP change, 2023 to 20247.1 percent
- GDP change over five years39.2 percent
- Rank by GDP among Virginia counties39th
- Rank by GDP among US county-equivalents1050th
- GDP per resident$50,056
Output grew 7.1 percent in the latest year and 39.2 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.
Culpeper County
Who employs people in Culpeper County
- Covered employment, annual average16,369
- Establishments reporting1,591
- Average annual pay$56,499
- Average weekly wage$1,087
- Sector 44-45, employment2,365
- Sector 44-45, average annual pay$36,471
- Sector 62, employment2,362
- Sector 62, average annual pay$59,600
- Sector 72, employment1,310
- Sector 72, average annual pay$24,301
- Sector 31-33, employment1,309
- Sector 31-33, average annual pay$80,724
- Sector 54, employment1,079
- Sector 23, employment997
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,365 | 156 | $36,471 |
| Sector 62 | 2,362 | 394 | $59,600 |
| Sector 72 | 1,310 | 92 | $24,301 |
| Sector 31-33 | 1,309 | 44 | $80,724 |
| Sector 54 | 1,079 | 131 | $82,325 |
| Sector 23 | 997 | 151 | $65,086 |
| Sector 81 | 911 | 154 | $47,822 |
| Sector 56 | 730 | 90 | $44,383 |
The largest sector is the biggest private employer group at 2,365 jobs, 14.4 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.
Culpeper County
What businesses operate in Culpeper County
- Establishments, all industries1,126
- Employment at those establishments13,506
- Annual payroll$735.6 m
- Establishments per 1,000 residents20.7
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.
Culpeper County
What is being built in Culpeper County
- Housing units authorised by permit, 2024425
- Declared construction value permitted$136.7 m
- Single family units authorised365
- Multifamily units authorised60
- Multifamily share of units14.1 percent
- Average declared value per unit$321,632
- Units authorised per 1,000 households22.5
Multifamily is 14.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Culpeper County
How much SBA lending happens in Culpeper County
- 7(a) approvals recorded27
- 7(a) gross approval dollars$16.3 m
- Average 7(a) approval$602,733
- Median 7(a) approval$206,000
- 10th percentile approval$25,000
- 90th percentile approval$1,775,000
- Largest single approval$4,870,000
- Jobs reported supported, 7(a)141
- Jobs per approval5.2
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter24
- Franchise loans2
- Franchise share of approvals7.4 percent
- Leading industry by approval countNursery and Tree Production (4)
- Most active lenderVirginia National Bank (5)
- 504 approvals recorded9
- 504 gross approval dollars$4.7 m
- Average 504 approval$517,667
- Median 504 approval$489,000
- Distinct CDCs active2
- 504 jobs per approval6.1
- 504 jobs per million dollars approved11.8
- Most active CDCBusiness Finance Group, Inc. (5)
- 7(a) share of SBA approvals75.0 percent
- Combined SBA approval dollars$20.9 m
The average approval of $602,733 sits well above the median of $206,000, 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 11.1 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.
Culpeper County
Do SBA loans in Culpeper County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Cancelled5
- Status: Exempt from disclosure16
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Culpeper County
Which parts of Culpeper County get the lending
- Places in the county with recorded lending5
- CULPEPER, approvals22
- BRANDY STATION, approvals2
- JEFFERSONTON, approvals1
- Richardsville, approvals1
- Amissville, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CULPEPER | 22 | $15,353,800 |
| BRANDY STATION | 2 | $290,000 |
| JEFFERSONTON | 1 | $350,000 |
| Richardsville | 1 | $80,000 |
| Amissville | 1 | $200,000 |
CULPEPER accounts for 22 approvals against 2 in BRANDY STATION. 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.
Culpeper County
How big is Culpeper County
- Land area379 sq mi
- Rank by land area among Virginia counties51st of 133
- Width, east to west33.2 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land144
- Establishments per square mile2.97
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 Culpeper 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 Culpeper County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population54,397
- Households18,924
- Average household size2.87
- Median household income$100,049
- Median age39.1
Common questions
Culpeper County questions, answered from the record.
How many people live in Culpeper County, Virginia?
54,397, in 18,924 households, ranking 34th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Culpeper County growing?
The population has grown 6.81 percent since the 2020 census base. In 2024 there were 675 births against 529 deaths, with net migration of 919. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Culpeper County?
$100,049. The median owner-occupied home is valued at $409,200, which is 4.1 times income, and median gross rent is $1,423 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Culpeper County?
1,126 establishments, employing 13,506 people with an annual payroll of $735.6 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 Culpeper County?
Average annual pay is $56,499, or $1,087 a week, across 16,369 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Culpeper County?
27 7(a) approvals totalling $16.3 m since FY2020, across 14 lenders, with a median approval of $206,000, plus 9 504 approvals worth $4.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Culpeper County?
425 housing units were authorised by permit in 2024, with a declared construction value of $136.7 m. Multifamily was 14.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Culpeper County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Culpeper County come from?
The largest single origin is Culpeper County Non-migrants, with 19,242 households. Arriving households report an average income of $72,157 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 Culpeper 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 Culpeper 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.