HomeVirginiaCulpeper CountyCulpeper
Culpeper, Virginia: commercial real estate data.
Culpeper is a Census town of 20,794 people across 7.54 square miles of land, in Culpeper County. Median household income is $94,721, 59.2 percent of occupied homes are owned, and the SBA record carries 22 7(a) approvals to borrowers here worth $15.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Culpeper
What Culpeper is
- Census place typetown
- Land area7.54 sq mi
- Water area0.04 sq mi
- Population per square mile of land2,757
- County holding the largest share of its areaCulpeper County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Culpeper
How many people live in Culpeper
- Population20,794
- Median age32.5
- Population under 186,204
- Share under 1829.8 percent
- Population 65 and over2,299
- Share 65 and over11.1 percent
- Households6,974
- Family households5,208
- Share of households that are families74.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Culpeper
Income and work in Culpeper
- Median household income$94,721
- Per capita income$37,739
- Civilian labor force10,433
- Employed10,190
- Unemployed243 plus or minus 133
- Unemployment rate2.3 percent plus or minus 1.3
- Adults 25 and over12,291
- Adults 25 and over with a high school diploma or higher84.0 percent
- Adults 25 and over with a bachelor degree or higher30.7 percent
- Adults 25 and over with a graduate degree11.5 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Culpeper
Housing in Culpeper
- Housing units7,137
- Occupied units6,974
- Vacant units163 plus or minus 98
- Vacancy rate2.3 percent plus or minus 1.4
- Owner occupied4,127
- Renter occupied2,847
- Ownership rate59.2 percent
- Median owner-occupied home value$390,000
- Median gross rent, monthly$1,416
- Annual rent as a share of median income17.9 percent
- Single family units5,680
- Share single family79.6 percent
- Units in buildings of two or more1,347 plus or minus 338
- Share in buildings of two or more18.9 percent plus or minus 4.6
- Mobile homes110 plus or minus 99
- Median year structure built1998
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Culpeper
How Culpeper gets to work
- Workers 16 and over who commute9,028
- Commuting under 15 minutes3,484
- Share commuting under 15 minutes38.6 percent
- Commuting 30 minutes or more3,781
- Share commuting 30 minutes or more41.9 percent
- Drove alone65.2 percent
- Carpooled16.9 percent plus or minus 4.3
- Public transport1.6 percent plus or minus 1.3
- Walked2.8 percent plus or minus 1.5
- Worked from home10.3 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Culpeper
SBA loans in Culpeper (7(a))
- Approvals22
- Gross approval$15,353,800
- Average approval$697,900
- Median approval$244,500
- Ninetieth percentile approval$1,725,220
- Largest approval$4,870,000
- Jobs supported130
- Jobs per approval5.9
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more13.6 percent
- Share to franchises4.5 percent
- Distinct lenders12
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Culpeper, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Culpeper
SBA loans in Culpeper (504)
- Approvals5
- Gross approval$2,854,000
- Average approval$570,800
- Median approval$509,000
- Largest approval$1,095,000
- Jobs supported25
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Culpeper, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Culpeper
Flood risk in Culpeper
- NFIP communityTown of Culpeper
- NFIP community number510042
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/26/21
The Town of Culpeper participates in the National Flood Insurance Program as community 510042 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Culpeper County, not Culpeper
Culpeper County context, not Culpeper figures
- Establishments in Culpeper County1,126
- Covered employment, Culpeper County16,369
- Average annual pay, Culpeper County$56,499
- Housing units permitted, Culpeper County425
Every figure in this section is published for Culpeper County as a whole and is not a measurement of Culpeper.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Culpeper questions, answered from the record.
How many people live in Culpeper, Virginia?
20,794, in 6,974 households. Culpeper town covers 7.54 square miles of land, which is 2,757 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Culpeper in?
Culpeper County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Culpeper?
$94,721. The median owner-occupied home is valued at $390,000. Median gross rent is $1,416 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Culpeper businesses?
22 7(a) approvals totaling $15.4 m since FY2020, across 12 lenders, median approval $244,500, plus 5 504 approvals worth $2.9 m since FY2010. These count approvals to borrowers whose address is in Culpeper, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Culpeper borrowers get paid back?
No rate is published for Culpeper. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Culpeper in the National Flood Insurance Program?
Yes. Culpeper appears in the FEMA Community Status Book as Culpeper, town of, community 510042, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Culpeper figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Culpeper County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Culpeper.
Is zoning published for Culpeper?
No. Nothing on this page presents parcel level zoning.
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