HomeVirginiaNorthumberland County
Northumberland County, Virginia: commercial real estate data.
Northumberland County, Virginia has a population of 12,188 across 191 square miles, up 4.8 percent since the 2020 census base. County output reached $478.3 m in 2024, 306 establishments operate here, and the SBA record carries 3 7(a) approvals worth $625,000.
105 sourced county values · tier FULL · 11 sections
Northumberland County
How many people live in Northumberland County
- Population12,188
- Households5,640
- Average household size2.16
- Median household income$66,480
- Median age59.5
- Median gross rent$1,038 per month
- Median owner-occupied home value$346,800
- Home value to household income5.2 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher33.6 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over9,740
- Population under 181,685
- Share under 1813.8 percent
- Population 65 and over4,636
- Share 65 and over38.0 percent
- Working age population, 18 to 645,867
- Civilian labor force4,439
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over42.3 percent
- Rank by population among Virginia counties107th of 133
- Rank by population among US county-equivalents2340th
Northumberland County is the 107th largest of 133 Virginia counties by population. A median home costs 5.2 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 38.0 percent against 13.8 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.
Northumberland County
Is Northumberland County growing
- Population change since the 2020 census base4.75 percent
- Census 2020 base population11,835
- Births, 202484
- Deaths, 2024185
- Natural change, 2024-101
- Net domestic migration, 2024111
- Net international migration, 2024-2
- Total net migration, 2024109
- Cumulative net domestic migration, 2021 to 20241,093
- Rank by growth among US county-equivalents567th
The county has grown 4.75 percent 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.
Northumberland County
Where people moving to Northumberland County come from
- Tax returns filed by households arriving485
- People arriving, from those returns877
- Adjusted gross income arriving$53.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$110,536
- Largest single originNorthumberland County Non-migrants (4,865 households)
- Largest single destination (4,865 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Northumberland County Non-migrants | 4,865 | 8,986 | $442.8 m |
| Other flows - Same State | 191 | 346 | $19.8 m |
| Other flows - Different State | 150 | 267 | $14.8 m |
| Other flows - South | 89 | 156 | $7.6 m |
| Lancaster County | 65 | 125 | $6.1 m |
| Other flows - Northeast | 38 | 76 | $5.4 m |
| Fairfax County | 30 | 60 | $8.2 m |
| Richmond County | 25 | 45 | $1.4 m |
The largest single source of arrivals is Northumberland 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.
Northumberland County
What the Northumberland County economy runs on
- County GDP, 2024$478.3 m
- County GDP, 2023$469.1 m
- GDP change, 2023 to 20242.0 percent
- GDP change over five years18.5 percent
- Rank by GDP among Virginia counties89th
- Rank by GDP among US county-equivalents2431st
- GDP per resident$39,244
Output grew 2.0 percent in the latest year and 18.5 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.
Northumberland County
Who employs people in Northumberland County
- Covered employment, annual average2,392
- Establishments reporting384
- Average annual pay$51,362
- Average weekly wage$988
- Sector 31-33, employment475
- Sector 31-33, average annual pay$55,674
- Sector 44-45, employment294
- Sector 44-45, average annual pay$31,451
- Sector 23, employment169
- Sector 23, average annual pay$53,588
- Sector 11, employment159
- Sector 11, average annual pay$120,525
- Sector 72, employment142
- Sector 81, employment120
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 475 | 18 | $55,674 |
| Sector 44-45 | 294 | 36 | $31,451 |
| Sector 23 | 169 | 55 | $53,588 |
| Sector 11 | 159 | 17 | $120,525 |
| Sector 72 | 142 | 18 | $21,343 |
| Sector 81 | 120 | 33 | $39,015 |
| Sector 71 | 119 | 9 | $30,264 |
| Sector 52 | 54 | 12 | $54,963 |
The largest sector is the biggest private employer group at 475 jobs, 19.9 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.
Northumberland County
What businesses operate in Northumberland County
- Establishments, all industries306
- Employment at those establishments1,615
- Annual payroll$67.7 m
- Establishments per 1,000 residents25.1
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.
Northumberland County
What is being built in Northumberland County
- Housing units authorised by permit, 202460
- Declared construction value permitted$13.7 m
- Single family units authorised60
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$228,845
- Units authorised per 1,000 households10.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Northumberland County
How much SBA lending happens in Northumberland County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$625,000
- Average 7(a) approval$208,333
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$450,000
- Largest single approval$450,000
- Jobs reported supported, 7(a)19
- Jobs per approval6.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFull-Service Restaurants (1)
- Most active lenderPrimis Bank (1)
The average approval of $208,333 sits close to the median of $150,000, so lending here is fairly evenly sized rather than driven by a few large deals. 33.3 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.
Northumberland County
Do SBA loans in Northumberland County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Northumberland County
Which parts of Northumberland County get the lending
- Places in the county with recorded lending3
- Kinsale, approvals1
- LOTTSBURG, approvals1
- HEATHSVILLE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Kinsale | 1 | $450,000 |
| LOTTSBURG | 1 | $25,000 |
| HEATHSVILLE | 1 | $150,000 |
Kinsale accounts for 1 approvals against 1 in LOTTSBURG. 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.
Northumberland County
How big is Northumberland County
- Land area191 sq mi
- Rank by land area among Virginia counties87th of 133
- Width, east to west21.7 mi
- Height, north to south24.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land64
- Establishments per square mile1.60
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Northumberland 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 Northumberland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,188
- Households5,640
- Average household size2.16
- Median household income$66,480
- Median age59.5
Common questions
Northumberland County questions, answered from the record.
How many people live in Northumberland County, Virginia?
12,188, in 5,640 households, ranking 107th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Northumberland County growing?
The population has grown 4.75 percent since the 2020 census base. In 2024 there were 84 births against 185 deaths, with net migration of 109. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Northumberland County?
$66,480. The median owner-occupied home is valued at $346,800, which is 5.2 times income, and median gross rent is $1,038 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Northumberland County?
306 establishments, employing 1,615 people with an annual payroll of $67.7 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 Northumberland County?
Average annual pay is $51,362, or $988 a week, across 2,392 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Northumberland County?
3 7(a) approvals totalling $625,000 since FY2020, across 3 lenders, with a median approval of $150,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Northumberland County?
60 housing units were authorised by permit in 2024, with a declared construction value of $13.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Northumberland 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 Northumberland County come from?
The largest single origin is Northumberland County Non-migrants, with 4,865 households. Arriving households report an average income of $110,536 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 Northumberland 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 Northumberland 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.