HomeVirginiaNorthampton CountyCape Charles town
Cape Charles town, Virginia: commercial real estate data.
Cape Charles town is a Census town of 1,201 people across 3.55 square miles of land, in Northampton County. Median household income is $73,750, 66.4 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $2.2 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cape Charles
What Cape Charles is
- Census place typetown
- Land area3.55 sq mi
- Water area0.06 sq mi
- Population per square mile of land338
- County holding the largest share of its areaNorthampton 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.
Cape Charles
How many people live in Cape Charles
- Population1,201
- Median age60.5
- Population under 1898 plus or minus 49
- Share under 188.2 percent plus or minus 3.8
- Population 65 and over453
- Share 65 and over37.7 percent
- Households684
- Family households317 plus or minus 65
- Share of households that are families46.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Charles
Income and work in Cape Charles
- Median household income$73,750 plus or minus $34,865
- Per capita income$79,299
- Civilian labor force524 plus or minus 116
- Employed509 plus or minus 113
- Unemployed15 plus or minus 18
- Unemployment rate2.9 percent plus or minus 3.4
- Adults 25 and over957
- Adults 25 and over with a high school diploma or higher92.5 percent plus or minus 20.7
- Adults 25 and over with a bachelor degree or higher59.6 percent
- Adults 25 and over with a graduate degree31.1 percent plus or minus 8.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Charles
Housing in Cape Charles
- Housing units1,185
- Occupied units684
- Vacant units501 plus or minus 103
- Vacancy rate42.3 percent
- Owner occupied454
- Renter occupied230 plus or minus 82
- Ownership rate66.4 percent
- Median owner-occupied home value$640,600
- Median gross rent, monthly$800 plus or minus $643
- Annual rent as a share of median income13.0 percent plus or minus 12.1
- Single family units856
- Share single family72.2 percent
- Units in buildings of two or more329 plus or minus 84
- Share in buildings of two or more27.8 percent plus or minus 6.4
- Mobile homes0
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Charles
How Cape Charles gets to work
- Workers 16 and over who commute463 plus or minus 116
- Commuting under 15 minutes272 plus or minus 98
- Share commuting under 15 minutes58.7 percent plus or minus 15.3
- Commuting 30 minutes or more120 plus or minus 57
- Share commuting 30 minutes or more25.9 percent plus or minus 10.4
- Drove alone60.6 percent
- Carpooled7.4 percent plus or minus 6.9
- Public transport4.9 percent plus or minus 6.1
- Walked10.2 percent plus or minus 5.7
- Worked from home16.0 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Charles
SBA loans in Cape Charles (7(a))
- Approvals5
- Gross approval$2,245,000
- Average approval$449,000
- Median approval$400,000
- Ninetieth percentile approval$905,000
- Largest approval$905,000
- Jobs supported17
- Jobs per approval3.4
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term132 months
- Share on real estate terms of 20 years or more40.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cape Charles
SBA loans in Cape Charles (504)
- Approvals3
- Gross approval$297,000
- Average approval$99,000
- Median approval$80,000
- Largest approval$152,000
- Jobs supported9
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Northampton County, not Cape Charles
Northampton County context, not Cape Charles figures
These are Northampton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cape Charles measurements.
- Establishments in Northampton County327
- Employment at those establishments, Northampton County2,939
- Covered employment, Northampton County4,561
- Average annual pay, Northampton County$43,255
- Average weekly wage, Northampton County$832
- Housing units permitted, Northampton County163
- Of those, single family, Northampton County161
- County product, 2024, Northampton County$682,139,000
- County product change over the prior year, Northampton County1.8 percent
- Average income of an arriving household, Northampton County$119,756
Every figure in this section is published for Northampton County as a whole and is not a measurement of Cape Charles. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cape Charles questions, answered from the record.
How many people live in Cape Charles, Virginia?
1,201, in 684 households. Cape Charles town covers 3.55 square miles of land, which is 338 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cape Charles in?
Northampton 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 Cape Charles?
$73,750. The median owner-occupied home is valued at $640,600. Median gross rent is $800 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cape Charles businesses?
5 7(a) approvals totalling $2.2 m, across 3 lenders, median approval $400,000, plus 3 504 approvals worth $297,000. These count approvals to borrowers whose address is in Cape Charles, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cape Charles borrowers get paid back?
No rate is published for Cape Charles. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cape Charles figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Northampton 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 Cape Charles.
Is zoning published for Cape Charles?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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