Campbell County, Virginia: commercial real estate data.
Campbell County, Virginia had an estimated 55,342 residents on July 1, 2024, down 0.6 percent since the 2020 census base of 55,666, across 504 square miles. 1,216 establishments operate here, and the SBA record carries 31 7(a) approvals worth $17.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Campbell County
How many people live in Campbell County
- Population, American Community Survey 2020-202455,312
- 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-equivalents, Puerto Rico included941st of 3,222
Campbell County is the 32nd largest of 133 Virginia counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable 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 story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Campbell County
Is Campbell County's population growing?
- Population, July 1, 202455,342
- Census 2020 base population55,666
- Population change since the 2020 census base-0.58 percent
- Population change, 2023 to 202494
- 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 of 3,144
The county has lost 0.58 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Campbell County from?
- Tax returns filed by households arriving1,839
- People arriving, from those returns3,306
- Tax returns filed by households leaving1,661
- Net household movement178
- Adjusted gross income arriving$93.9 m
- Net adjusted gross income movement$11.3 m
- Average income of an arriving household$51,079
- Average income of a leaving household$49,748
- Largest single originLynchburg city (533 households)
- Largest single destinationLynchburg city (507 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lynchburg city | 533 | 962 | $24.9 m |
| Bedford County | 263 | 504 | $16.7 m |
| Amherst County | 109 | 189 | $5.0 m |
| Pittsylvania County | 93 | 162 | $4.0 m |
| Appomattox County | 68 | 123 | $3.3 m |
| Halifax County | 36 | 62 | $1.3 m |
Households arriving report $1,331 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Lynchburg city, 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
Employment by industry in Campbell County
- Covered employment, annual average18,480
- Establishments reporting1,798
- Average annual pay$57,594
- Average weekly wage$1,108
- Manufacturing, employment4,738
- Manufacturing, average annual pay$89,520
- Retail trade, employment2,222
- Retail trade, average annual pay$30,942
- Construction, employment1,916
- Construction, average annual pay$62,762
- Health care and social assistance, employment1,577
- Health care and social assistance, average annual pay$39,984
- Accommodation and food services, employment1,306
- Wholesale trade, employment783
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 4,738 | 79 | $89,520 |
| Retail trade | 2,222 | 168 | $30,942 |
| Construction | 1,916 | 200 | $62,762 |
| Health care and social assistance | 1,577 | 390 | $39,984 |
| Accommodation and food services | 1,306 | 89 | $20,700 |
| Wholesale trade | 783 | 58 | $71,870 |
| Administrative and support and waste management services | 713 | 92 | $42,479 |
| Professional, scientific and technical services | 589 | 215 | $76,199 |
Manufacturing is the largest private sector at 4,738 jobs, 25.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Campbell County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Campbell County
Building permits in Campbell County
- Housing units authorized by permit, 2024315
- Declared construction value permitted$69.0 m
- Single family units authorized258
- Multifamily units authorized57
- Multifamily share of units18.1 percent
- Average declared value per unit$219,081
- Units authorized per 1,000 households14.2
Single-family homes are 81.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Campbell County
SBA loans in Campbell County (7(a) and 504)
- 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
- Most active lenderSelect Bank (6)
- 504 approvals recorded6
- 504 gross approval dollars$4.1 m
- Average 504 approval$687,667
- Median 504 approval$649,500
- Distinct CDCs active3
- 504 jobs per approval8.7
- 504 jobs per million dollars approved12.6
- Most active CDCBusiness Finance Group, Inc. (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$21.6 m
The average approval of $563,632 sits well above the median of $260,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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
Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Campbell County
SBA lending by place in Campbell County
- Borrower cities with recorded lending7
- Lynchburg, approvals10
- Rustburg, approvals6
- Altavista, approvals4
- Concord, approvals4
- Brookneal, approvals4
- Evington, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lynchburg | 10 | $4,409,700 |
| Rustburg | 6 | $1,828,500 |
| Altavista | 4 | $7,184,000 |
| Concord | 4 | $2,520,000 |
| Brookneal | 4 | $995,400 |
| 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 large 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.
Campbell County
Flood risk in Campbell County
- Participation of the county's own NFIP community Campbell County, unincorporated areasParticipating, community 510028
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Campbell County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Campbell County (community 510028), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Campbell County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-202455,312
- 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?
The Census Bureau estimates 55,342 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has fallen 0.58 percent since the 2020 census base of 55,666, to 55,342 on July 1, 2024. 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 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 employment by industry in Campbell County?
Manufacturing is the largest private sector at 4,738 jobs, 25.6 percent of covered employment. Covered employment averages 18,480 jobs at an average annual pay of $57,594, or $1,108 a week. 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 totaling $17.5 m since FY2020, across 18 lenders, with a median approval of $260,000, plus 6 504 approvals worth $4.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Campbell County?
315 housing units were authorized 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 Lynchburg city, with 533 households. Arriving households report an average income of $51,079 against $49,748 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Campbell County
Cities and places in Campbell.
5 Census places lie wholly or partly in Campbell County. All 5 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Timberlake | CDP | 12,725 | None recorded | Wholly in this county |
| Altavista | town | 3,342 | 4 | Wholly in this county |
| Concord | CDP | 1,462 | 4 | 76.6 percent here, 23.4 percent Appomattox County |
| Rustburg | CDP | 1,417 | 6 | Wholly in this county |
| Brookneal | town | 1,300 | 4 | Wholly in this county |
A further 13 of the county's 31 SBA 7(a) approvals are to borrowers in cities that match no Census place in Campbell County, the largest being Lynchburg (10), Evington (2), Forest (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.