HomeVirginiaWestmoreland County
Westmoreland County, Virginia: commercial real estate data.
Westmoreland County, Virginia had an estimated 19,235 residents on July 1, 2024, up 4.1 percent since the 2020 census base of 18,471, across 229 square miles. County output reached $666.0 m in 2024, 338 establishments operate here, and the SBA record carries 7 7(a) approvals worth $10.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Westmoreland County
How many people live in Westmoreland County
- Population, American Community Survey 2020-202418,826
- Households8,149
- Average household size2.31
- Median household income$63,398
- Median age47.7
- Median gross rent$1,018 per month
- Median owner-occupied home value$269,600
- Home value to household income4.3 times
- Annual rent as a share of median income19.3 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree8.8 percent
- Adults 25 and over14,398
- Population under 183,361
- Share under 1817.9 percent
- Population 65 and over5,017
- Share 65 and over26.6 percent
- Working age population, 18 to 6410,448
- Civilian labor force8,085
- Unemployment rate7.3 percent
- Labor force participation, adults 18 and over52.3 percent
- Rank by population among Virginia counties82nd of 133
- Rank by population among US county-equivalents, Puerto Rico included1943rd of 3,222
Westmoreland County is the 82nd largest of 133 Virginia counties by population. A median home costs 4.3 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 26.6 percent against 17.9 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.
Westmoreland County
Is Westmoreland County's population growing?
- Population, July 1, 202419,235
- Census 2020 base population18,471
- Population change since the 2020 census base4.14 percent
- Population change, 2023 to 2024317
- Births, 2024173
- Deaths, 2024289
- Natural change, 2024-116
- Net domestic migration, 2024424
- Net international migration, 20249
- Total net migration, 2024433
- Cumulative net domestic migration, 2021 to 20241,186
- Rank by growth among US county-equivalents667th of 3,144
The county has grown 4.14 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.
Westmoreland County
Where are people moving to Westmoreland County from?
- Tax returns filed by households arriving736
- People arriving, from those returns1,316
- Tax returns filed by households leaving610
- Net household movement126
- Adjusted gross income arriving$54.2 m
- Net adjusted gross income movement$18.1 m
- Average income of an arriving household$73,701
- Average income of a leaving household$59,315
- Largest single originKing George County (84 households)
- Largest single destinationKing George County (60 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| King George County | 84 | 156 | $5.7 m |
| Spotsylvania County | 62 | 134 | $3.8 m |
| Stafford County | 54 | 98 | $4.2 m |
| Fairfax County | 38 | 69 | $5.5 m |
| Richmond County | 30 | 55 | $1.1 m |
| Charles County | 26 | 41 | $1.3 m |
| Prince William County | 25 | 41 | $2.7 m |
| Prince George's County | 20 | 40 | $1.5 m |
Households arriving report $14,386 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 King George 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.
Westmoreland County
What is the Westmoreland County economy?
- County GDP, 2024$666.0 m
- County GDP, 2023$655.3 m
- GDP change, 2023 to 20241.6 percent
- GDP change over five years30.9 percent
- Rank by GDP among the Virginia areas BEA publishes80th of 105
- Rank by GDP among the US county areas BEA publishes2194th of 3,127
- GDP per resident$35,377
Output grew 1.6 percent in the latest year and 30.9 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.
Westmoreland County
Employment by industry in Westmoreland County
- Covered employment, annual average3,218
- Establishments reporting476
- Average annual pay$43,691
- Average weekly wage$840
- Retail trade, employment441
- Retail trade, average annual pay$28,352
- Accommodation and food services, employment307
- Accommodation and food services, average annual pay$24,082
- Manufacturing, employment254
- Manufacturing, average annual pay$54,787
- Health care and social assistance, employment238
- Health care and social assistance, average annual pay$44,842
- Construction, employment222
- Agriculture, forestry, fishing and hunting, employment185
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 441 | 50 | $28,352 |
| Accommodation and food services | 307 | 37 | $24,082 |
| Manufacturing | 254 | 12 | $54,787 |
| Health care and social assistance | 238 | 97 | $44,842 |
| Construction | 222 | 54 | $53,176 |
| Agriculture, forestry, fishing and hunting | 185 | 19 | $43,265 |
| Professional, scientific and technical services | 118 | 36 | $104,224 |
| Other services, except public administration | 112 | 44 | $29,639 |
Retail trade is the largest private sector at 441 jobs, 13.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Westmoreland County
How many businesses are in Westmoreland County?
- Establishments, all industries338
- Employment at those establishments2,149
- Annual payroll$79.3 m
- Establishments per 1,000 residents18.0
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.
Westmoreland County
Building permits in Westmoreland County
- Housing units authorized by permit, 2024220
- Declared construction value permitted$44.5 m
- Single family units authorized220
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$202,421
- Units authorized per 1,000 households27.0
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.
Westmoreland County
SBA loans in Westmoreland County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$10.4 m
- Average 7(a) approval$1,492,614
- Median 7(a) approval$681,000
- Largest single approval$4,950,000
- Jobs reported supported, 7(a)73
- Jobs per approval10.4
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals5
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer57.1 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded2
- 504 gross approval dollars$204,000
- Average 504 approval$102,000
- Median 504 approval$102,000
- Distinct CDCs active1
- 504 jobs per approval2.5
- 504 jobs per million dollars approved24.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.7 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.
Westmoreland County
SBA loan default and charge-off rates in Westmoreland County
Do SBA loans in Westmoreland County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure5
- Status: Cancelled2
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.
Westmoreland County
SBA lending by place in Westmoreland County
- Borrower cities with recorded lending4
- Colonial Beach, approvals4
- Hague, approvals1
- Montross, approvals1
- Kinsale, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Colonial Beach | 4 | $4,612,000 |
| Hague | 1 | $4,950,000 |
| Montross | 1 | $566,300 |
| Kinsale | 1 | $320,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Westmoreland County
How large is Westmoreland County?
- Land area229 sq mi
- Rank by land area among Virginia counties82nd of 133
- Width, east to west29.5 mi
- Height, north to south21.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land82
- Establishments per square mile1.48
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.
Westmoreland County
Flood risk in Westmoreland County
- Participation of the county's own NFIP community Westmoreland County, unincorporated areasParticipating, community 510250
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Westmoreland 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 Westmoreland County (community 510250), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Westmoreland 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 Westmoreland 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 Westmoreland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202418,826
- Households8,149
- Average household size2.31
- Median household income$63,398
- Median age47.7
Common questions
Westmoreland County questions, answered from the record.
How many people live in Westmoreland County, Virginia?
The Census Bureau estimates 19,235 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 18,826, in 8,149 households, ranking 82nd of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Westmoreland County's population growing?
The population has grown 4.14 percent since the 2020 census base of 18,471, to 19,235 on July 1, 2024. In 2024 there were 173 births against 289 deaths, with net migration of 433. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Westmoreland County?
$63,398. The median owner-occupied home is valued at $269,600, which is 4.3 times income, and median gross rent is $1,018 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Westmoreland County?
338 establishments, employing 2,149 people with an annual payroll of $79.3 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 Westmoreland County?
Retail trade is the largest private sector at 441 jobs, 13.7 percent of covered employment. Covered employment averages 3,218 jobs at an average annual pay of $43,691, or $840 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Westmoreland County?
7 7(a) approvals totaling $10.4 m since FY2020, across 6 lenders, with a median approval of $681,000, plus 2 504 approvals worth $204,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Westmoreland County?
220 housing units were authorized by permit in 2024, with a declared construction value of $44.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Westmoreland 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 Westmoreland County come from?
The largest single origin is King George County, with 84 households. Arriving households report an average income of $73,701 against $59,315 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Westmoreland 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 Westmoreland 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.
Westmoreland County
Cities and places in Westmoreland.
2 Census places lie wholly or partly in Westmoreland 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 |
|---|---|---|---|---|
| Colonial Beach | town | 3,966 | 4 | Wholly in this county |
| Montross | town | 375 | 1 | Wholly in this county |
A further 2 of the county's 7 SBA 7(a) approvals are to borrowers in cities that match no Census place in Westmoreland County, the largest being Hague (1), Kinsale (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