Culpeper County, Virginia: commercial real estate data.
Culpeper County, Virginia had an estimated 56,125 residents on July 1, 2024, up 6.8 percent since the 2020 census base of 52,546, across 379 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Culpeper County
How many people live in Culpeper County
- Population, American Community Survey 2020-202454,397
- 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-equivalents, Puerto Rico included957th of 3,222
Culpeper County is the 34th largest of 133 Virginia counties by population. A median home costs 4.1 times median household income, which is seriously unaffordable 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's population growing?
- Population, July 1, 202456,125
- Census 2020 base population52,546
- Population change since the 2020 census base6.81 percent
- Population change, 2023 to 20241,060
- 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 of 3,144
The county has grown 6.81 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Culpeper County
Where are people moving to Culpeper County from?
- Tax returns filed by households arriving1,620
- People arriving, from those returns3,162
- Tax returns filed by households leaving1,434
- Net household movement186
- Adjusted gross income arriving$116.9 m
- Net adjusted gross income movement$18.2 m
- Average income of an arriving household$72,157
- Average income of a leaving household$68,848
- Largest single originFauquier County (227 households)
- Largest single destinationOrange County (149 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Fauquier County | 227 | 476 | $15.3 m |
| Prince William County | 209 | 449 | $17.5 m |
| Fairfax County | 127 | 236 | $12.8 m |
| Orange County | 104 | 182 | $6.0 m |
| Spotsylvania County | 66 | 146 | $3.8 m |
| Stafford County | 54 | 119 | $4.7 m |
| Madison County | 52 | 89 | $2.5 m |
| Manassas city | 41 | 96 | $2.6 m |
Households arriving report $3,309 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 Fauquier 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.
Culpeper County
What is the Culpeper County economy?
- 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 the Virginia areas BEA publishes39th of 105
- Rank by GDP among the US county areas BEA publishes1050th of 3,127
- 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
Employment by industry in Culpeper County
- Covered employment, annual average16,369
- Establishments reporting1,591
- Average annual pay$56,499
- Average weekly wage$1,087
- Retail trade, employment2,365
- Retail trade, average annual pay$36,471
- Health care and social assistance, employment2,362
- Health care and social assistance, average annual pay$59,600
- Accommodation and food services, employment1,310
- Accommodation and food services, average annual pay$24,301
- Manufacturing, employment1,309
- Manufacturing, average annual pay$80,724
- Professional, scientific and technical services, employment1,079
- Construction, employment997
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,365 | 156 | $36,471 |
| Health care and social assistance | 2,362 | 394 | $59,600 |
| Accommodation and food services | 1,310 | 92 | $24,301 |
| Manufacturing | 1,309 | 44 | $80,724 |
| Professional, scientific and technical services | 1,079 | 131 | $82,325 |
| Construction | 997 | 151 | $65,086 |
| Other services, except public administration | 911 | 154 | $47,822 |
| Administrative and support and waste management services | 730 | 90 | $44,383 |
Retail trade is the largest private sector at 2,365 jobs, 14.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Culpeper County
How many businesses are 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. 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.
Culpeper County
Building permits in Culpeper County
- Housing units authorized by permit, 2024425
- Declared construction value permitted$136.7 m
- Single family units authorized365
- Multifamily units authorized60
- Multifamily share of units14.1 percent
- Average declared value per unit$321,632
- Units authorized per 1,000 households22.5
Single-family homes are 85.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Culpeper County
SBA loans in Culpeper County (7(a) and 504)
- 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$58,000
- 90th percentile approval$1,476,320
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.9 m
The average approval of $602,733 sits well above the median of $206,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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
Only 5 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.
Culpeper County
SBA lending by place in Culpeper County
- Borrower cities with recorded lending5
- Culpeper, approvals22
- Brandy Station, approvals2
- Jeffersonton, approvals1
- Amissville, approvals1
- Richardsville, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Culpeper | 22 | $15,353,800 |
| Brandy Station | 2 | $290,000 |
| Jeffersonton | 1 | $350,000 |
| Amissville | 1 | $200,000 |
| Richardsville | 1 | $80,000 |
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 large 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.
Culpeper County
Flood risk in Culpeper County
- Participation of the county's own NFIP community Culpeper County, unincorporated areasParticipating, community 510041
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Culpeper County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Culpeper County (community 510041), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Culpeper County in radon zone 2, a predicted average indoor radon screening level from 2 to 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 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.
- Population, American Community Survey 2020-202454,397
- 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?
The Census Bureau estimates 56,125 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 6.81 percent since the 2020 census base of 52,546, to 56,125 on July 1, 2024. 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 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 employment by industry in Culpeper County?
Retail trade is the largest private sector at 2,365 jobs, 14.4 percent of covered employment. Covered employment averages 16,369 jobs at an average annual pay of $56,499, or $1,087 a week. 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 totaling $16.3 m since FY2020, across 14 lenders, with a median approval of $206,000, plus 9 504 approvals worth $4.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Culpeper County?
425 housing units were authorized 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 Fauquier County, with 227 households. Arriving households report an average income of $72,157 against $68,848 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?
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.
Culpeper County
Cities and places in Culpeper.
2 Census places lie wholly or partly in Culpeper County. All 2 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 |
|---|---|---|---|---|
| Culpeper | town | 20,794 | 22 | Wholly in this county |
| Brandy Station | CDP | 237 | 2 | Wholly in this county |
A further 3 of the county's 27 SBA 7(a) approvals are to borrowers in cities that match no Census place in Culpeper County, the largest being Jeffersonton (1), Amissville (1), Richardsville (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.
Nearby