HomeVirginiaNorthampton County
Northampton County, Virginia: commercial real estate data.
Northampton County, Virginia has a population of 12,059 across 212 square miles, down 2.3 percent since the 2020 census base. County output reached $682.1 m in 2024, 327 establishments operate here, and the SBA record carries 7 7(a) approvals worth $5.6 m.
116 sourced county values · tier FULL · 11 sections
Northampton County
How many people live in Northampton County
- Population12,059
- Households5,437
- Average household size2.22
- Median household income$61,632
- Median age52.5
- Median gross rent$829 per month
- Median owner-occupied home value$316,200
- Home value to household income5.1 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher32.0 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over9,165
- Population under 182,210
- Share under 1818.3 percent
- Population 65 and over3,542
- Share 65 and over29.4 percent
- Working age population, 18 to 646,307
- Civilian labor force5,271
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over53.5 percent
- Rank by population among Virginia counties108th of 133
- Rank by population among US county-equivalents2349th
Northampton County is the 108th largest of 133 Virginia counties by population. A median home costs 5.1 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 29.4 percent against 18.3 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.
Northampton County
Is Northampton County growing
- Population change since the 2020 census base-2.25 percent
- Census 2020 base population12,280
- Births, 202491
- Deaths, 2024178
- Natural change, 2024-87
- Net domestic migration, 202418
- Net international migration, 202446
- Total net migration, 202464
- Cumulative net domestic migration, 2021 to 202478
- Rank by growth among US county-equivalents2560th
The county has lost 2.25 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.
Northampton County
Where people moving to Northampton County come from
- Tax returns filed by households arriving336
- People arriving, from those returns558
- Adjusted gross income arriving$40.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$119,756
- Largest single originNorthampton County Non-migrants (4,583 households)
- Largest single destination (4,583 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Northampton County Non-migrants | 4,583 | 8,691 | $354.0 m |
| Other flows - Different State | 152 | 253 | $14.1 m |
| Other flows - South | 96 | 146 | $7.8 m |
| Other flows - Same State | 79 | 125 | $18.1 m |
| Accomack County | 60 | 105 | $2.5 m |
| Other flows - Northeast | 56 | 107 | $6.3 m |
| Virginia Beach city | 25 | 37 | $4.2 m |
| Norfolk city | 20 | 38 | $1.3 m |
The largest single source of arrivals is Northampton 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.
Northampton County
What the Northampton County economy runs on
- County GDP, 2024$682.1 m
- County GDP, 2023$670.3 m
- GDP change, 2023 to 20241.8 percent
- GDP change over five years31.4 percent
- Rank by GDP among Virginia counties77th
- Rank by GDP among US county-equivalents2170th
- GDP per resident$56,567
Output grew 1.8 percent in the latest year and 31.4 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.
Northampton County
Who employs people in Northampton County
- Covered employment, annual average4,561
- Establishments reporting592
- Average annual pay$43,255
- Average weekly wage$832
- Sector 11, employment736
- Sector 11, average annual pay$46,007
- Sector 62, employment551
- Sector 62, average annual pay$44,575
- Sector 44-45, employment503
- Sector 44-45, average annual pay$29,383
- Sector 31-33, employment275
- Sector 31-33, average annual pay$47,846
- Sector 23, employment163
- Sector 81, employment98
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 736 | 43 | $46,007 |
| Sector 62 | 551 | 168 | $44,575 |
| Sector 44-45 | 503 | 60 | $29,383 |
| Sector 31-33 | 275 | 12 | $47,846 |
| Sector 23 | 163 | 36 | $51,573 |
| Sector 81 | 98 | 54 | $39,440 |
| Sector 61 | 95 | 6 | $37,286 |
| Sector 53 | 77 | 21 | $45,017 |
The largest sector is the biggest private employer group at 736 jobs, 16.1 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.
Northampton County
What businesses operate in Northampton County
- Establishments, all industries327
- Employment at those establishments2,939
- Annual payroll$125.7 m
- Establishments per 1,000 residents27.1
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.
Northampton County
What is being built in Northampton County
- Housing units authorised by permit, 2024163
- Declared construction value permitted$69.7 m
- Single family units authorised161
- Multifamily units authorised2
- Multifamily share of units1.2 percent
- Average declared value per unit$427,708
- Units authorised per 1,000 households30.0
Multifamily is 1.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Northampton County
How much SBA lending happens in Northampton County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$5.6 m
- Average 7(a) approval$799,286
- Median 7(a) approval$725,000
- 10th percentile approval$50,000
- 90th percentile approval$1,960,000
- Largest single approval$1,960,000
- Jobs reported supported, 7(a)22
- Jobs per approval3.1
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term168 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countAll Other Amusement and Recreation Industries (3)
- Most active lenderFirst National Bank of Pennsylvania (3)
- 504 approvals recorded3
- 504 gross approval dollars$297,000
- Average 504 approval$99,000
- Median 504 approval$80,000
- Distinct CDCs active2
- 504 jobs per approval3.0
- 504 jobs per million dollars approved30.3
- Most active CDCBusiness Finance Group, Inc. (2)
- 7(a) share of SBA approvals70.0 percent
- Combined SBA approval dollars$5.9 m
The average approval of $799,286 sits close to the median of $725,000, so lending here is fairly evenly sized rather than driven by a few large deals. 42.9 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.
Northampton County
Do SBA loans in Northampton County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Cancelled1
- Status: Exempt from disclosure5
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.
Northampton County
Which parts of Northampton County get the lending
- Places in the county with recorded lending2
- CAPE CHARLES, approvals5
- EXMORE, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CAPE CHARLES | 5 | $2,245,000 |
| EXMORE | 2 | $3,350,000 |
CAPE CHARLES accounts for 5 approvals against 2 in EXMORE. 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.
Northampton County
How big is Northampton County
- Land area212 sq mi
- Rank by land area among Virginia counties85th of 133
- Width, east to west20 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary1
- Residents per square mile of land57
- Establishments per square mile1.54
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 Northampton 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 Northampton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,059
- Households5,437
- Average household size2.22
- Median household income$61,632
- Median age52.5
Common questions
Northampton County questions, answered from the record.
How many people live in Northampton County, Virginia?
12,059, in 5,437 households, ranking 108th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Northampton County growing?
The population has fallen 2.25 percent since the 2020 census base. In 2024 there were 91 births against 178 deaths, with net migration of 64. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Northampton County?
$61,632. The median owner-occupied home is valued at $316,200, which is 5.1 times income, and median gross rent is $829 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Northampton County?
327 establishments, employing 2,939 people with an annual payroll of $125.7 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 Northampton County?
Average annual pay is $43,255, or $832 a week, across 4,561 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Northampton County?
7 7(a) approvals totalling $5.6 m since FY2020, across 5 lenders, with a median approval of $725,000, plus 3 504 approvals worth $297,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Northampton County?
163 housing units were authorised by permit in 2024, with a declared construction value of $69.7 m. Multifamily was 1.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Northampton 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 Northampton County come from?
The largest single origin is Northampton County Non-migrants, with 4,583 households. Arriving households report an average income of $119,756 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 Northampton 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 Northampton 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.