HomeVirginiaNorthampton County
Northampton County, Virginia: commercial real estate data.
Northampton County, Virginia had an estimated 12,004 residents on July 1, 2024, down 2.2 percent since the 2020 census base of 12,280, across 212 square miles. County output reached $682.1 m in 2024, 327 establishments operate here, and the SBA record carries 7 7(a) approvals worth $5.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Northampton County
How many people live in Northampton County
- Population, American Community Survey 2020-202412,059
- Households5,437
- Average household size2.22
- Median household income$61,632
- Median age52.5
- Median gross rent$829 per month
- Median owner-occupied home value$316,200
- Home value to household income5.1 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher32.0 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over9,165
- Population under 182,210
- Share under 1818.3 percent
- Population 65 and over3,542
- Share 65 and over29.4 percent
- Working age population, 18 to 646,307
- Civilian labor force5,271
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over53.5 percent
- Rank by population among Virginia counties108th of 133
- Rank by population among US county-equivalents, Puerto Rico included2349th of 3,222
Northampton County is the 108th largest of 133 Virginia counties by population. A median home costs 5.1 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 29.4 percent against 18.3 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.
Northampton County
Is Northampton County's population growing?
- Population, July 1, 202412,004
- Census 2020 base population12,280
- Population change since the 2020 census base-2.25 percent
- Population change, 2023 to 2024-22
- Births, 202491
- Deaths, 2024178
- Natural change, 2024-87
- Net domestic migration, 202418
- Net international migration, 202446
- Total net migration, 202464
- Cumulative net domestic migration, 2021 to 202478
- Rank by growth among US county-equivalents2560th of 3,144
The county has lost 2.25 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Northampton County
Where are people moving to Northampton County from?
- Tax returns filed by households arriving336
- People arriving, from those returns558
- Tax returns filed by households leaving280
- Net household movement56
- Adjusted gross income arriving$40.2 m
- Net adjusted gross income movement$24.0 m
- Average income of an arriving household$119,756
- Average income of a leaving household$58,161
- Largest single originAccomack County (60 households)
- Largest single destinationAccomack County (72 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Accomack County | 60 | 105 | $2.5 m |
| Virginia Beach city | 25 | 37 | $4.2 m |
| Norfolk city | 20 | 38 | $1.3 m |
Households arriving report $61,595 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 Accomack 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.
Northampton County
What is the Northampton County economy?
- County GDP, 2024$682.1 m
- County GDP, 2023$670.3 m
- GDP change, 2023 to 20241.8 percent
- GDP change over five years31.4 percent
- Rank by GDP among the Virginia areas BEA publishes77th of 105
- Rank by GDP among the US county areas BEA publishes2170th of 3,127
- GDP per resident$56,567
Output grew 1.8 percent in the latest year and 31.4 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.
Northampton County
Employment by industry in Northampton County
- Covered employment, annual average4,561
- Establishments reporting592
- Average annual pay$43,255
- Average weekly wage$832
- Agriculture, forestry, fishing and hunting, employment736
- Agriculture, forestry, fishing and hunting, average annual pay$46,007
- Health care and social assistance, employment551
- Health care and social assistance, average annual pay$44,575
- Retail trade, employment503
- Retail trade, average annual pay$29,383
- Manufacturing, employment275
- Manufacturing, average annual pay$47,846
- Construction, employment163
- Other services, except public administration, employment98
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Agriculture, forestry, fishing and hunting | 736 | 43 | $46,007 |
| Health care and social assistance | 551 | 168 | $44,575 |
| Retail trade | 503 | 60 | $29,383 |
| Manufacturing | 275 | 12 | $47,846 |
| Construction | 163 | 36 | $51,573 |
| Other services, except public administration | 98 | 54 | $39,440 |
| Educational services | 95 | 6 | $37,286 |
| Real estate and rental and leasing | 77 | 21 | $45,017 |
Agriculture, forestry, fishing and hunting is the largest private sector at 736 jobs, 16.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Northampton County
How many businesses are in Northampton County?
- Establishments, all industries327
- Employment at those establishments2,939
- Annual payroll$125.7 m
- Establishments per 1,000 residents27.1
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.
Northampton County
Building permits in Northampton County
- Housing units authorized by permit, 2024163
- Declared construction value permitted$69.7 m
- Single family units authorized161
- Multifamily units authorized2
- Multifamily share of units1.2 percent
- Average declared value per unit$427,708
- Units authorized per 1,000 households30.0
Single-family homes are 98.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Northampton County
SBA loans in Northampton County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$5.6 m
- Average 7(a) approval$799,286
- Median 7(a) approval$725,000
- Largest single approval$1,960,000
- Jobs reported supported, 7(a)22
- Jobs per approval3.1
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term168 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countAll Other Amusement and Recreation Industries (3)
- Most active lenderFirst National Bank of Pennsylvania (3)
- 504 approvals recorded3
- 504 gross approval dollars$297,000
- Average 504 approval$99,000
- Median 504 approval$80,000
- Distinct CDCs active2
- 504 jobs per approval3.0
- 504 jobs per million dollars approved30.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$5.9 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.
Northampton County
SBA loan default and charge-off rates in Northampton County
Do SBA loans in Northampton County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Cancelled1
- Status: Exempt from disclosure5
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.
Northampton County
SBA lending by place in Northampton County
- Borrower cities with recorded lending2
- Cape Charles, approvals5
- Exmore, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Cape Charles | 5 | $2,245,000 |
| Exmore | 2 | $3,350,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Northampton County
How large is Northampton County?
- Land area212 sq mi
- Rank by land area among Virginia counties85th of 133
- Width, east to west20 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary1
- Residents per square mile of land57
- Establishments per square mile1.54
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.
Northampton County
Flood risk in Northampton County
- Participation of the county's own NFIP community Northampton County, unincorporated areasParticipating, community 510105
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Northampton 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 Northampton County (community 510105), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Northampton 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. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 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 Northampton 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 Northampton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202412,059
- Households5,437
- Average household size2.22
- Median household income$61,632
- Median age52.5
Common questions
Northampton County questions, answered from the record.
How many people live in Northampton County, Virginia?
The Census Bureau estimates 12,004 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 12,059, in 5,437 households, ranking 108th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Northampton County's population growing?
The population has fallen 2.25 percent since the 2020 census base of 12,280, to 12,004 on July 1, 2024. In 2024 there were 91 births against 178 deaths, with net migration of 64. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Northampton County?
$61,632. The median owner-occupied home is valued at $316,200, which is 5.1 times income, and median gross rent is $829 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Northampton County?
327 establishments, employing 2,939 people with an annual payroll of $125.7 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 Northampton County?
Agriculture, forestry, fishing and hunting is the largest private sector at 736 jobs, 16.1 percent of covered employment. Covered employment averages 4,561 jobs at an average annual pay of $43,255, or $832 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Northampton County?
7 7(a) approvals totaling $5.6 m since FY2020, across 5 lenders, with a median approval of $725,000, plus 3 504 approvals worth $297,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Northampton County?
163 housing units were authorized by permit in 2024, with a declared construction value of $69.7 m. Multifamily was 1.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Northampton 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 Northampton County come from?
The largest single origin is Accomack County, with 60 households. Arriving households report an average income of $119,756 against $58,161 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Northampton 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 Northampton 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.
Northampton County
Cities and places in Northampton.
8 Census places lie wholly or partly in Northampton County. All 8 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 |
|---|---|---|---|---|
| Exmore | town | 1,571 | 2 | Wholly in this county |
| Cape Charles | town | 1,201 | 5 | Wholly in this county |
| Belle Haven | town | 836 | None recorded | 17.6 percent here, 82.4 percent Accomack County |
| Nassawadox | town | 590 | None recorded | Wholly in this county |
| Cheriton | town | 555 | None recorded | Wholly in this county |
| Willis Wharf | CDP | 278 | None recorded | Wholly in this county |
| Eastville | town | 254 | None recorded | Wholly in this county |
| Franktown | CDP | 12 | None recorded | Wholly in this county |
Nearby