HomeVirginiaCharles City County
Charles City County, Virginia: commercial real estate data.
Charles City County, Virginia had an estimated 6,564 residents on July 1, 2024, down 3.1 percent since the 2020 census base of 6,771, across 183 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charles City County
How many people live in Charles City County
- Population, American Community Survey 2020-20246,627
- 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-equivalents, Puerto Rico included2767th of 3,222
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 moderately unaffordable 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 story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Charles City County
Is Charles City County's population growing?
- Population, July 1, 20246,564
- Census 2020 base population6,771
- Population change since the 2020 census base-3.06 percent
- Population change, 2023 to 2024-71
- 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 of 3,144
The county has lost 3.06 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Charles City County
Where are people moving to Charles City County from?
- Tax returns filed by households arriving190
- People arriving, from those returns341
- Tax returns filed by households leaving141
- Net household movement49
- Adjusted gross income arriving$12.4 m
- Net adjusted gross income movement$5.9 m
- Average income of an arriving household$65,411
- Average income of a leaving household$46,248
- Largest single originHenrico County (51 households)
- Largest single destinationHenrico County (33 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Henrico County | 51 | 87 | $3.1 m |
| New Kent County | 29 | 56 | $1.7 m |
| Chesterfield County | 23 | 40 | $1.6 m |
Households arriving report $19,163 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 Henrico County, 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 is the Charles City County economy?
- 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 the Virginia areas BEA publishes97th of 105
- Rank by GDP among the US county areas BEA publishes2610th of 3,127
- 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
Employment by industry in Charles City County
- Covered employment, annual average1,782
- Establishments reporting237
- Average annual pay$59,048
- Average weekly wage$1,136
- Construction, employment485
- Construction, average annual pay$68,208
- Transportation and warehousing, employment136
- Transportation and warehousing, average annual pay$61,210
- Manufacturing, employment125
- Manufacturing, average annual pay$58,983
- Administrative and support and waste management services, employment69
- Administrative and support and waste management services, average annual pay$53,386
- Accommodation and food services, employment52
- Arts, entertainment and recreation, employment30
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 485 | 33 | $68,208 |
| Transportation and warehousing | 136 | 14 | $61,210 |
| Manufacturing | 125 | 11 | $58,983 |
| Administrative and support and waste management services | 69 | 16 | $53,386 |
| Accommodation and food services | 52 | 3 | $27,434 |
| Arts, entertainment and recreation | 30 | 6 | $32,284 |
| Other services, except public administration | 30 | 16 | $51,428 |
Construction is the largest private sector at 485 jobs, 27.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Charles City County
How many businesses are 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. 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.
Charles City County
Building permits in Charles City County
- Housing units authorized by permit, 202430
- Declared construction value permitted$6.1 m
- Single family units authorized30
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$202,289
- Units authorized per 1,000 households10.3
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Charles City County
SBA loans in Charles City County (7(a) and 504)
- 7(a) approvals recorded4
- 7(a) gross approval dollars$4.0 m
- Average 7(a) approval$990,375
- Median 7(a) approval$535,750
- 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) term238 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
- 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
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$5.2 m
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
SBA loan default and charge-off rates in 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
Only 1 loan has 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.
Charles City County
How large 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.
Charles City County
Flood risk in Charles City County
- Participation of the county's own NFIP community Charles City County, unincorporated areasParticipating, community 510198
- Communities in the county in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Charles City County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Charles City County (community 510198), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Charles City County in radon zone 3, a predicted average indoor radon screening level less than 2 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 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.
- Population, American Community Survey 2020-20246,627
- 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?
The Census Bureau estimates 6,564 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has fallen 3.06 percent since the 2020 census base of 6,771, to 6,564 on July 1, 2024. 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 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 employment by industry in Charles City County?
Construction is the largest private sector at 485 jobs, 27.2 percent of covered employment. Covered employment averages 1,782 jobs at an average annual pay of $59,048, or $1,136 a week. 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 totaling $4.0 m since FY2020, across 3 lenders, with a median approval of $535,750, plus 3 504 approvals worth $1.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Charles City County?
30 housing units were authorized 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 Henrico County, with 51 households. Arriving households report an average income of $65,411 against $46,248 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?
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.
Charles City County
Cities and places in Charles City.
1 Census place lies wholly or partly in Charles City County. It carries enough published place level data for a page of its own and is linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Charles City | CDP | 64 | 4 | Wholly in this county |
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