HomeVirginiaNorthumberland County
Northumberland County, Virginia: commercial real estate data.
Northumberland County, Virginia had an estimated 12,397 residents on July 1, 2024, up 4.7 percent since the 2020 census base of 11,835, across 191 square miles. County output reached $478.3 m in 2024, 306 establishments operate here, and the SBA record carries 3 7(a) approvals worth $625,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Northumberland County
How many people live in Northumberland County
- Population, American Community Survey 2020-202412,188
- Households5,640
- Average household size2.16
- Median household income$66,480
- Median age59.5
- Median gross rent$1,038 per month
- Median owner-occupied home value$346,800
- Home value to household income5.2 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher33.6 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over9,740
- Population under 181,685
- Share under 1813.8 percent
- Population 65 and over4,636
- Share 65 and over38.0 percent
- Working age population, 18 to 645,867
- Civilian labor force4,439
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over42.3 percent
- Rank by population among Virginia counties107th of 133
- Rank by population among US county-equivalents, Puerto Rico included2340th of 3,222
Northumberland County is the 107th largest of 133 Virginia counties by population. A median home costs 5.2 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 38.0 percent against 13.8 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.
Northumberland County
Is Northumberland County's population growing?
- Population, July 1, 202412,397
- Census 2020 base population11,835
- Population change since the 2020 census base4.75 percent
- Population change, 2023 to 20249
- Births, 202484
- Deaths, 2024185
- Natural change, 2024-101
- Net domestic migration, 2024111
- Net international migration, 2024-2
- Total net migration, 2024109
- Cumulative net domestic migration, 2021 to 20241,093
- Rank by growth among US county-equivalents567th of 3,144
The county has grown 4.75 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.
Northumberland County
Where are people moving to Northumberland County from?
- Tax returns filed by households arriving485
- People arriving, from those returns877
- Tax returns filed by households leaving300
- Net household movement185
- Adjusted gross income arriving$53.6 m
- Net adjusted gross income movement$28.1 m
- Average income of an arriving household$110,536
- Average income of a leaving household$85,053
- Largest single originLancaster County (65 households)
- Largest single destinationLancaster County (54 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lancaster County | 65 | 125 | $6.1 m |
| Fairfax County | 30 | 60 | $8.2 m |
| Richmond County | 25 | 45 | $1.4 m |
| Henrico County | 24 | 34 | $3.2 m |
Households arriving report $25,483 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 Lancaster 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.
Northumberland County
What is the Northumberland County economy?
- County GDP, 2024$478.3 m
- County GDP, 2023$469.1 m
- GDP change, 2023 to 20242.0 percent
- GDP change over five years18.5 percent
- Rank by GDP among the Virginia areas BEA publishes89th of 105
- Rank by GDP among the US county areas BEA publishes2431st of 3,127
- GDP per resident$39,244
Output grew 2.0 percent in the latest year and 18.5 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.
Northumberland County
Employment by industry in Northumberland County
- Covered employment, annual average2,392
- Establishments reporting384
- Average annual pay$51,362
- Average weekly wage$988
- Manufacturing, employment475
- Manufacturing, average annual pay$55,674
- Retail trade, employment294
- Retail trade, average annual pay$31,451
- Construction, employment169
- Construction, average annual pay$53,588
- Agriculture, forestry, fishing and hunting, employment159
- Agriculture, forestry, fishing and hunting, average annual pay$120,525
- Accommodation and food services, employment142
- Other services, except public administration, employment120
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 475 | 18 | $55,674 |
| Retail trade | 294 | 36 | $31,451 |
| Construction | 169 | 55 | $53,588 |
| Agriculture, forestry, fishing and hunting | 159 | 17 | $120,525 |
| Accommodation and food services | 142 | 18 | $21,343 |
| Other services, except public administration | 120 | 33 | $39,015 |
| Arts, entertainment and recreation | 119 | 9 | $30,264 |
| Finance and insurance | 54 | 12 | $54,963 |
Manufacturing is the largest private sector at 475 jobs, 19.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Northumberland County
How many businesses are in Northumberland County?
- Establishments, all industries306
- Employment at those establishments1,615
- Annual payroll$67.7 m
- Establishments per 1,000 residents25.1
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.
Northumberland County
Building permits in Northumberland County
- Housing units authorized by permit, 202460
- Declared construction value permitted$13.7 m
- Single family units authorized60
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$228,845
- Units authorized per 1,000 households10.6
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Northumberland County
SBA loans in Northumberland County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$625,000
- Average 7(a) approval$208,333
- Median 7(a) approval$150,000
- Largest single approval$450,000
- Jobs reported supported, 7(a)19
- Jobs per approval6.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Northumberland County
SBA loan default and charge-off rates in Northumberland County
Do SBA loans in Northumberland County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Only 0 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.
Northumberland County
SBA lending by place in Northumberland County
- Borrower cities with recorded lending3
- Kinsale, approvals1
- Heathsville, approvals1
- Lottsburg, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Kinsale | 1 | $450,000 |
| Heathsville | 1 | $150,000 |
| Lottsburg | 1 | $25,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Northumberland County
How large is Northumberland County?
- Land area191 sq mi
- Rank by land area among Virginia counties87th of 133
- Width, east to west21.7 mi
- Height, north to south24.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land64
- Establishments per square mile1.60
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.
Northumberland County
Flood risk in Northumberland County
- Participation of the county's own NFIP community Northumberland County, unincorporated areasParticipating, community 510107
- Communities in the county in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Northumberland 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 Northumberland County (community 510107), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Northumberland 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. 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 Northumberland 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 Northumberland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202412,188
- Households5,640
- Average household size2.16
- Median household income$66,480
- Median age59.5
Common questions
Northumberland County questions, answered from the record.
How many people live in Northumberland County, Virginia?
The Census Bureau estimates 12,397 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 12,188, in 5,640 households, ranking 107th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Northumberland County's population growing?
The population has grown 4.75 percent since the 2020 census base of 11,835, to 12,397 on July 1, 2024. In 2024 there were 84 births against 185 deaths, with net migration of 109. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Northumberland County?
$66,480. The median owner-occupied home is valued at $346,800, which is 5.2 times income, and median gross rent is $1,038 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Northumberland County?
306 establishments, employing 1,615 people with an annual payroll of $67.7 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 Northumberland County?
Manufacturing is the largest private sector at 475 jobs, 19.9 percent of covered employment. Covered employment averages 2,392 jobs at an average annual pay of $51,362, or $988 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Northumberland County?
3 7(a) approvals totaling $625,000 since FY2020, across 3 lenders, with a median approval of $150,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Northumberland County?
60 housing units were authorized by permit in 2024, with a declared construction value of $13.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Northumberland 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 Northumberland County come from?
The largest single origin is Lancaster County, with 65 households. Arriving households report an average income of $110,536 against $85,053 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Northumberland 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 Northumberland 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.
Northumberland County
Cities and places in Northumberland.
2 Census places lie wholly or partly in Northumberland County. All 2 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 |
|---|---|---|---|---|
| Kilmarnock | town | 1,333 | None recorded | 2.1 percent here, 97.9 percent Lancaster County |
| Heathsville | CDP | 98 | 1 | Wholly in this county |
A further 2 of the county's 3 SBA 7(a) approvals are to borrowers in cities that match no Census place in Northumberland County, the largest being Kinsale (1), Lottsburg (1). 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