Fluvanna County, Virginia: commercial real estate data.
Fluvanna County, Virginia had an estimated 28,746 residents on July 1, 2024, up 5.5 percent since the 2020 census base of 27,250, across 286 square miles. County output reached $1.26 bn in 2024, 420 establishments operate here, and the SBA record carries 9 7(a) approvals worth $8.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fluvanna County
How many people live in Fluvanna County
- Population, American Community Survey 2020-202428,092
- Households10,329
- Average household size2.72
- Median household income$96,768
- Median age43.5
- Median gross rent$1,204 per month
- Median owner-occupied home value$314,100
- Home value to household income3.2 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher37.3 percent
- Adults 25 and over with a graduate degree13.2 percent
- Adults 25 and over20,806
- Population under 185,458
- Share under 1819.4 percent
- Population 65 and over6,097
- Share 65 and over21.7 percent
- Working age population, 18 to 6416,537
- Civilian labor force14,109
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over62.3 percent
- Rank by population among Virginia counties64th of 133
- Rank by population among US county-equivalents, Puerto Rico included1539th of 3,222
Fluvanna County is the 64th 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 21.7 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.
Fluvanna County
Is Fluvanna County's population growing?
- Population, July 1, 202428,746
- Census 2020 base population27,250
- Population change since the 2020 census base5.49 percent
- Population change, 2023 to 2024266
- Births, 2024244
- Deaths, 2024246
- Natural change, 2024-2
- Net domestic migration, 2024265
- Net international migration, 20244
- Total net migration, 2024269
- Cumulative net domestic migration, 2021 to 20241,483
- Rank by growth among US county-equivalents474th of 3,144
The county has grown 5.49 percent 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.
Fluvanna County
Where are people moving to Fluvanna County from?
- Tax returns filed by households arriving1,106
- People arriving, from those returns1,969
- Tax returns filed by households leaving896
- Net household movement210
- Adjusted gross income arriving$82.7 m
- Net adjusted gross income movement$26.5 m
- Average income of an arriving household$74,753
- Average income of a leaving household$62,748
- Largest single originAlbemarle County (235 households)
- Largest single destinationAlbemarle County (164 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Albemarle County | 235 | 427 | $15.9 m |
| Charlottesville city | 80 | 136 | $4.5 m |
| Louisa County | 75 | 135 | $4.1 m |
| Henrico County | 34 | 45 | $2.3 m |
| Fairfax County | 28 | 48 | $4.5 m |
| Orange County | 25 | 44 | $1.3 m |
| Greene County | 23 | 44 | $1.4 m |
| Richmond city | 23 | 31 | $827,000 |
Households arriving report $12,005 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 Albemarle 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.
Fluvanna County
What is the Fluvanna County economy?
- County GDP, 2024$1.26 bn
- County GDP, 2023$1.22 bn
- GDP change, 2023 to 20243.6 percent
- GDP change over five years45.2 percent
- Rank by GDP among the Virginia areas BEA publishes62nd of 105
- Rank by GDP among the US county areas BEA publishes1657th of 3,127
- GDP per resident$44,802
Output grew 3.6 percent in the latest year and 45.2 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.
Fluvanna County
Employment by industry in Fluvanna County
- Covered employment, annual average4,854
- Establishments reporting668
- Average annual pay$57,223
- Average weekly wage$1,100
- Construction, employment867
- Construction, average annual pay$76,689
- Retail trade, employment410
- Retail trade, average annual pay$36,409
- Health care and social assistance, employment358
- Health care and social assistance, average annual pay$37,376
- Administrative and support and waste management services, employment296
- Administrative and support and waste management services, average annual pay$55,508
- Manufacturing, employment254
- Other services, except public administration, employment238
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 867 | 91 | $76,689 |
| Retail trade | 410 | 38 | $36,409 |
| Health care and social assistance | 358 | 183 | $37,376 |
| Administrative and support and waste management services | 296 | 47 | $55,508 |
| Manufacturing | 254 | 21 | $48,904 |
| Other services, except public administration | 238 | 56 | $33,938 |
| Accommodation and food services | 186 | 17 | $25,888 |
| Educational services | 180 | 6 | $42,624 |
Construction is the largest private sector at 867 jobs, 17.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Fluvanna County
How many businesses are in Fluvanna County?
- Establishments, all industries420
- Employment at those establishments2,983
- Annual payroll$140.6 m
- Establishments per 1,000 residents15.0
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.
Fluvanna County
Building permits in Fluvanna County
- Housing units authorized by permit, 2024138
- Declared construction value permitted$54.2 m
- Single family units authorized132
- Multifamily units authorized6
- Multifamily share of units4.3 percent
- Average declared value per unit$392,935
- Units authorized per 1,000 households13.4
Single-family homes are 95.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Fluvanna County
SBA loans in Fluvanna County (7(a) and 504)
- 7(a) approvals recorded9
- 7(a) gross approval dollars$8.4 m
- Average 7(a) approval$930,222
- Median 7(a) approval$158,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)169
- Jobs per approval18.8
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.2 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter7
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded6
- 504 gross approval dollars$3.8 m
- Average 504 approval$627,667
- Median 504 approval$514,500
- Distinct CDCs active2
- 504 jobs per approval8.5
- 504 jobs per million dollars approved13.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.1 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.
Fluvanna County
SBA loan default and charge-off rates in Fluvanna County
Do SBA loans in Fluvanna County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure6
- Status: Cancelled1
Only 2 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.
Fluvanna County
SBA lending by place in Fluvanna County
- Borrower cities with recorded lending3
- Troy, approvals5
- Palmyra, approvals3
- Scottsville, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Troy | 5 | $7,374,000 |
| Palmyra | 3 | $848,000 |
| Scottsville | 1 | $150,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fluvanna County
How large is Fluvanna County?
- Land area286 sq mi
- Rank by land area among Virginia counties70th of 133
- Width, east to west23.4 mi
- Height, north to south21.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land98
- Establishments per square mile1.47
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.
Fluvanna County
Flood risk in Fluvanna County
- Participation of the county's own NFIP community Fluvanna County, unincorporated areasParticipating, community 510058
- 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 Fluvanna 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 Fluvanna County (community 510058), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Fluvanna 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 Fluvanna 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 Fluvanna County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202428,092
- Households10,329
- Average household size2.72
- Median household income$96,768
- Median age43.5
Common questions
Fluvanna County questions, answered from the record.
How many people live in Fluvanna County, Virginia?
The Census Bureau estimates 28,746 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 28,092, in 10,329 households, ranking 64th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fluvanna County's population growing?
The population has grown 5.49 percent since the 2020 census base of 27,250, to 28,746 on July 1, 2024. In 2024 there were 244 births against 246 deaths, with net migration of 269. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fluvanna County?
$96,768. The median owner-occupied home is valued at $314,100, which is 3.2 times income, and median gross rent is $1,204 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Fluvanna County?
420 establishments, employing 2,983 people with an annual payroll of $140.6 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 Fluvanna County?
Construction is the largest private sector at 867 jobs, 17.9 percent of covered employment. Covered employment averages 4,854 jobs at an average annual pay of $57,223, or $1,100 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fluvanna County?
9 7(a) approvals totaling $8.4 m since FY2020, across 7 lenders, with a median approval of $158,000, plus 6 504 approvals worth $3.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Fluvanna County?
138 housing units were authorized by permit in 2024, with a declared construction value of $54.2 m. Multifamily was 4.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fluvanna 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 Fluvanna County come from?
The largest single origin is Albemarle County, with 235 households. Arriving households report an average income of $74,753 against $62,748 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Fluvanna 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 Fluvanna 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.
Fluvanna County
Cities and places in Fluvanna.
4 Census places lie wholly or partly in Fluvanna County. All 4 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 |
|---|---|---|---|---|
| Lake Monticello | CDP | 10,662 | None recorded | Wholly in this county |
| Scottsville | town | 510 | 1 | 4.3 percent here, 95.7 percent Albemarle County |
| Palmyra | CDP | 171 | 3 | Wholly in this county |
| Columbia | CDP | 0 | None recorded | Wholly in this county |
A further 5 of the county's 9 SBA 7(a) approvals are to borrowers in cities that match no Census place in Fluvanna County, the largest being Troy (5). 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