HomeVirginiaNorthampton CountyCape Charles
Cape Charles, Virginia: commercial real estate data.
Cape Charles 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Cape Charles, in any county, FY2020 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, 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
Counted by borrower city: approvals to borrowers whose address is in Cape Charles, in any county, FY2010 to FY2026. Only 0 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.
Cape Charles
Flood risk in Cape Charles
- NFIP communityTown of Cape Charles
- NFIP community number510106
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date03/02/15
The Town of Cape Charles participates in the National Flood Insurance Program as community 510106 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Northampton County, not Cape Charles
Northampton County context, not Cape Charles figures
- Establishments in Northampton County327
- Covered employment, Northampton County4,561
- Average annual pay, Northampton County$43,255
- Housing units permitted, Northampton County163
Every figure in this section is published for Northampton County as a whole and is not a measurement of Cape Charles.
All Northampton 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
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 totaling $2.2 m since FY2020, across 3 lenders, median approval $400,000, plus 3 504 approvals worth $297,000 since FY2010. 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 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cape Charles in the National Flood Insurance Program?
Yes. Cape Charles appears in the FEMA Community Status Book as Cape Charles, town of, community 510106, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. 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 Cape Charles figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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