HomeVirginiaLancaster CountyKilmarnock
Kilmarnock, Virginia: commercial real estate data.
Kilmarnock is a Census town of 1,333 people across 3.41 square miles of land, lying across Lancaster County and Northumberland County. Median household income is $40,234, 58.1 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $16.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kilmarnock
What Kilmarnock is
- Census place typetown
- Land area3.41 sq mi
- Water area0.01 sq mi
- Population per square mile of land391 plus or minus 80
- County holding the largest share of its areaLancaster County, 97.9 percent
- Counties this place lies inLancaster County 97.9 percent, Northumberland County 2.1 percent
Kilmarnock crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kilmarnock
How many people live in Kilmarnock
- Population1,333 plus or minus 272
- Median age62.9
- Population under 18233 plus or minus 95
- Share under 1817.5 percent plus or minus 6.2
- Population 65 and over609 plus or minus 140
- Share 65 and over45.7 percent
- Households677 plus or minus 146
- Family households308 plus or minus 98
- Share of households that are families45.5 percent plus or minus 10.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kilmarnock
Income and work in Kilmarnock
- Median household income$40,234 plus or minus $11,846
- Per capita income$30,383
- Civilian labor force436 plus or minus 144
- Employed424 plus or minus 140
- Unemployed12 plus or minus 22
- Unemployment rate2.8 percent plus or minus 5.0
- Adults 25 and over1,052
- Adults 25 and over with a high school diploma or higher82.1 percent
- Adults 25 and over with a bachelor degree or higher25.2 percent plus or minus 7.0
- Adults 25 and over with a graduate degree7.7 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kilmarnock
Housing in Kilmarnock
- Housing units787
- Occupied units677 plus or minus 146
- Vacant units110 plus or minus 55
- Vacancy rate14.0 percent plus or minus 6.5
- Owner occupied393 plus or minus 99
- Renter occupied284 plus or minus 100
- Ownership rate58.1 percent
- Median owner-occupied home value$282,400
- Median gross rent, monthly$630 plus or minus $372
- Annual rent as a share of median income18.8 percent plus or minus 12.4
- Single family units528 plus or minus 116
- Share single family67.1 percent
- Units in buildings of two or more259 plus or minus 95
- Share in buildings of two or more32.9 percent plus or minus 10.5
- Mobile homes0
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kilmarnock
How Kilmarnock gets to work
- Workers 16 and over who commute380 plus or minus 136
- Commuting under 15 minutes248 plus or minus 100
- Share commuting under 15 minutes65.3 percent
- Commuting 30 minutes or more64 plus or minus 43
- Share commuting 30 minutes or more16.8 percent plus or minus 9.6
- Drove alone77.8 percent
- Carpooled8.1 percent plus or minus 9.1
- Public transport0.7 percent plus or minus 0.9
- Walked0.7 percent plus or minus 0.9
- Worked from home12.0 percent plus or minus 7.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kilmarnock
SBA loans in Kilmarnock (7(a))
- Approvals11
- Gross approval$16,014,500
- Average approval$1,455,864
- Median approval$515,000
- Largest approval$4,300,000
- Jobs supported311
- Jobs per approval28.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more27.3 percent
- Share to franchises9.1 percent
- Distinct lenders5
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Kilmarnock, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kilmarnock
SBA loans in Kilmarnock (504)
- Approvals2
- Gross approval$378,000
- Average approval$189,000
- Median approval$189,000
- Largest approval$213,000
- Jobs supported4
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Kilmarnock, in any county, FY2010 to FY2026. Only 1 loan has 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.
Kilmarnock
Flood risk in Kilmarnock
- NFIP communityTown of Kilmarnock
- NFIP community number510280
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/05/22
The Town of Kilmarnock participates in the National Flood Insurance Program as community 510280 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.
Lancaster County, not Kilmarnock
Lancaster County context, not Kilmarnock figures
- Establishments in Lancaster County458
- Covered employment, Lancaster County4,793
- Average annual pay, Lancaster County$51,518
- Housing units permitted, Lancaster County127
Every figure in this section is published for Lancaster County as a whole and is not a measurement of Kilmarnock.
All Lancaster County figures →
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
Kilmarnock questions, answered from the record.
How many people live in Kilmarnock, Virginia?
1,333, in 677 households. Kilmarnock town covers 3.41 square miles of land, which is 391 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Kilmarnock in?
Kilmarnock lies in more than one. By area it is 97.9 percent in Lancaster County, 2.1 percent in Northumberland County. This page sits under Lancaster County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Kilmarnock?
$40,234. The median owner-occupied home is valued at $282,400. Median gross rent is $630 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Kilmarnock businesses?
11 7(a) approvals totaling $16.0 m since FY2020, across 5 lenders, median approval $515,000, plus 2 504 approvals worth $378,000 since FY2010. These count approvals to borrowers whose address is in Kilmarnock, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Kilmarnock borrowers get paid back?
No rate is published for Kilmarnock. Only 2 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 Kilmarnock in the National Flood Insurance Program?
Yes. Kilmarnock appears in the FEMA Community Status Book as Kilmarnock, town of, community 510280, 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 Kilmarnock figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lancaster 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 Kilmarnock.
Is zoning published for Kilmarnock?
No. Nothing on this page presents parcel level zoning.
Nearby