1st Advantage MortgageIn Amelia County, Virginia, the typical household earns $76,717 a year and the typical rent is $1,164. For a Amelia County borrower, the useful steps are the same anywhere: price the need, gather three written offers, and check the Virginia license.
On this page
- Who lives in Amelia County
- The Amelia County job picture
- What stands out in Amelia County
- What it costs to live in Amelia County
- How much Amelia County households make
- Amelia Court House and the rest of Amelia County
- Amelia County, Nottoway County and other neighbors
- Debt-to-income at Amelia County's medians
- People and households in Amelia County
- Local borrowing considerations for Amelia County
- Verifying a lender from Amelia County
- Steps before you apply in Amelia County
- More guides for Amelia County
- Frequently asked questions
Who lives in Amelia County
Roughly 13,462 residents live in Amelia County, Virginia, 105th by population among the state's 133 counties and county equivalents. It covers 355 square miles of land, or about 38 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Richmond, VA metropolitan area. Amelia Court House, with about 746 people, is the only Census place mainly inside the county.
The Amelia County job picture
By the Census industry count, 18% of employed Amelia County residents work in education and health care and 17% in construction. Relative to Virginia (7%), construction is 11 points bigger in Amelia County (17%). 3.8% of Amelia County's labor force reported being unemployed, averaged across 2020 to 2024. About 76% drive to work alone and 50% have trips of 45 minutes or more.
| Industry | Share of Amelia County workers | vs Virginia |
|---|---|---|
| Education and health care | 18.1% | -4.2 pts |
| Construction | 17.2% | +10.7 pts |
| Retail trade | 10.3% | +0.5 pts |
| Transportation, warehousing and utilities | 9.9% | +5.1 pts |
| Other services | 8.3% | +3.0 pts |
| Manufacturing | 7.9% | +0.8 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
What stands out in Amelia County
The 4 Amelia County numbers that rank furthest from typical in Virginia, and what each means for a borrower:
- On the share of commutes over 45 minutes, Amelia County sits near the top of Virginia at 50%, the highest of 133. With long commutes, a reliable car is part of keeping the job.
- On households without a vehicle, Amelia County sits near the bottom of Virginia at 1.6%, 3rd lowest of 133. Nearly every household has a vehicle, so repair costs are a common reason to borrow.
- The share of mobile homes: 19.4% in Amelia County. Only 16 of 133 Virginia counties are higher. Repairs on manufactured homes are a common loan purpose; get written quotes.
- Amelia County ranks 19th highest of 133 Virginia counties for homeownership: 82%, against 67% statewide. An owner-heavy county means repairs are a common reason to borrow.
What it costs to live in Amelia County
Renters in Amelia County pay a median of $1,164 a month, 26% below the Virginia figure of $1,579. About 4 in 10 Amelia County renters pay 30% or more of income for rent. Amelia County homes are worth $282,400 at the median, a 3.7-to-1 ratio to income. 82% of Amelia County households own their home and 18% rent. Half the housing stock was built before 1993.
| Housing | Amelia County | Virginia statewide | Amelia County vs state |
|---|---|---|---|
| Owners | 82% | 67% | +15.2 pts |
| Mobile homes | 19.4% | 4.3% | +15.1 pts |
| Rent-burdened renters | 43% | 49% | -5.1 pts |
| Burdened owners | 28% | 25% | +3.4 pts |
| Median home value | $282,400 | $383,700 | 26% lower |
| Median gross rent | $1,164/mo | $1,579/mo | 26% lower |
| Vacant units | 7% | 9% | -1.8 pts |
In an owner-heavy county like Amelia County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How much Amelia County households make
The median household income in Amelia County is $76,717; statewide it is $93,170, so Amelia County runs 18% below Virginia as a whole. In the state ranking that is 51st of 133.
| Household income | Amelia County | vs Virginia |
|---|---|---|
| Under $35,000 | 16.3% | -1.6 pts |
| $35,000 to $99,999 | 52.7% | +17.5 pts |
| $100,000 to $199,999 | 28.6% | -0.6 pts |
| $200,000 or more | 2.4% | -15.3 pts |
About 16% of households earn under $35,000, while 31% clear $100,000. 9.7% of residents fall below the federal poverty line (statewide: 9.9%). The Gini index of income inequality is 0.386 (0 is perfect equality). None of these numbers decides a Amelia County application. Lenders weigh your own documented income against your own debts.
Amelia Court House and the rest of Amelia County
Just one Census place, Amelia Court House, lies mainly within Amelia County; it holds about 746 people. Amelia Court House and every other Amelia County community use this county guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Amelia Court House | CDP | 746 | $70,320 | n/a | 1 mi |
Amelia County, Nottoway County and other neighbors
The six counties whose centers lie closest to Amelia County's, from 14 to 26 miles away. Powhatan County leads the group on income ($110,537), Cumberland County trails ($55,325), and Amelia County out-earns 3 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Amelia County | - | $76,717 | $1,164/mo | 82% |
| Nottoway County, VA | 14 mi | $63,261 | $972/mo | 67% |
| Powhatan County, VA | 15 mi | $110,537 | $1,168/mo | 93% |
| Cumberland County, VA | 20 mi | $55,325 | $877/mo | 76% |
| Chesterfield County, VA | 22 mi | $101,931 | $1,629/mo | 77% |
| Dinwiddie County, VA | 26 mi | $83,704 | $1,224/mo | 80% |
| Prince Edward County, VA | 26 mi | $56,315 | $931/mo | 58% |
Debt-to-income at Amelia County's medians
Amelia County's $76,717 median income, run through a debt-to-income check:
- Start: $6,393 gross per month ($76,717 / 12)
- Rent at the median, $1,164, takes 18% of that
- $1,138: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $2,749 total minus rent leaves $1,585
Homeowners in Amelia County should swap in their mortgage, taxes and insurance for rent.
People and households in Amelia County
Bachelor's degree or higher: 19% of Amelia County adults. Health coverage gaps: 7.7% of Amelia County residents are uninsured.
| People and households | Amelia County | Compared with Virginia | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 18.6% | -23.6 pts | -3.6 pts |
| Median age | 44.7 | +5.7 yrs | +3.2 yrs |
| Work from home | 12.7% | -5.6 pts | +4.1 pts |
| No high school diploma | 13.5% | +5.1 pts | n/a |
| No vehicle | 1.6% | -4.5 pts | -3.8 pts |
| No health insurance | 7.7% | +0.8 pts | -0.2 pts |
| Unemployment (ACS) | 3.8% | -0.5 pts | -0.6 pts |
| Poverty rate | 9.7% | -0.2 pts | -3.5 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 11.7% |
| 15 to 29 min | 17.4% |
| 30 to 44 min | 21.2% |
| 45 to 59 min | 27.1% |
| 60+ min | 22.6% |
Local borrowing considerations for Amelia County
Where the Amelia County numbers stand out, and why it matters for a loan:
- Vehicle repairs. 50% of Amelia County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Mobile homes in Amelia County. At 19% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Verifying a lender from Amelia County
Consumer lenders serving Amelia County are licensed by the state, not the county; in Virginia that is the Virginia Bureau of Financial Institutions. Federal complaints: consumerfinance.gov. The Virginia guide covers state rules in more detail.
Steps before you apply in Amelia County
Before you apply, wherever you live in Amelia County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Never pay a fee up front to get a loan.
More guides for Amelia County
Statewide:
Frequently asked questions
What does a typical Amelia County household make?
About $76,717 a year at the median (ACS 2020-24), 18% below the Virginia median.
Is Amelia County expensive for renters?
Median rent is $1,164 against $1,579 statewide, and 43% of renter households are cost-burdened.
Should Amelia County homeowners use home equity instead?
Maybe, but weigh the risk: 82% of Amelia County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live near Amelia Court House. Which guide is mine?
This one. Amelia Court House and the rest of Amelia County have no separate city guide.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Amelia County or elsewhere in Virginia, the same rules apply.