1st Advantage MortgageThe median Appomattox County household earns $62,853, and 14% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Appomattox County at a glance
- Household income in Appomattox County
- Appomattox County housing compared with Virginia
- Work, industries and travel time in Appomattox County
- The communities that make up Appomattox County
- Regional comparison for Appomattox County
- Debt-to-income at Appomattox County's medians
- Appomattox County households compared
- Borrowing situations common in Appomattox County
- Lender oversight for Appomattox County
- Checklist for Appomattox County applicants
- Nearby and statewide guides
- Frequently asked questions
Appomattox County at a glance
Roughly 16,610 residents live in Appomattox County, Virginia, 91st by population among the state's 133 counties and county equivalents. It covers 334 square miles of land, or about 50 people per square mile. For statistical purposes it belongs to the Lynchburg, VA metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 3 places in the county (2 incorporated, 1 census-designated); the largest is Appomattox, with about 2,084 residents, or 13% of the county.
Household income in Appomattox County
Appomattox County households have a median income of $62,853 (ACS 2020 to 2024), which ranks 85th of 133 in Virginia.
| Household income | Appomattox County | vs Virginia |
|---|---|---|
| Under $35,000 | 25.7% | +7.8 pts |
| $35,000 to $99,999 | 46.0% | +10.8 pts |
| $100,000 to $199,999 | 22.3% | -6.9 pts |
| $200,000 or more | 6.0% | -11.7 pts |
The spread is wide: 28% of Appomattox County households make $100,000 or more, and 26% make less than $35,000. The poverty rate is 14.0%, 4 points higher than the state's 9.9%. The Gini index of income inequality is 0.420 (0 is perfect equality). A household earning below the $62,853 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Appomattox County housing compared with Virginia
Renters in Appomattox County pay a median of $855 a month, 46% below the Virginia figure of $1,579. Rent takes 30% or more of income for 33% of renter households here. The median owner-occupied home is valued at $207,600, about 3.3 times the median household income. The ownership rate is 76%.
| Measure | Appomattox County | Virginia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $855/mo | $1,579/mo | $877/mo |
| Median home value | $207,600 | $383,700 | $185,300 |
| Owners | 76% | 67% | 75% |
| Rent-burdened renters | 33% | 49% | 45% |
| Burdened owners | 22% | 25% | n/a |
| Vacant units | 11% | 9% | n/a |
In an owner-heavy county like Appomattox 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.
Work, industries and travel time in Appomattox County
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 14%. Manufacturing stands out: 14% of workers here, versus 7% statewide. Averaged over the five survey years, 5.1% of the labor force was out of work and looking. 13% of commuters travel 45 minutes or more each way, and 10% work from home. Only 3.9% of homes here go without a vehicle.
| Sector | Appomattox County | Compared with Virginia |
|---|---|---|
| Education and health care | 22.6% | +0.3 pts |
| Manufacturing | 13.5% | +6.5 pts |
| Retail trade | 12.7% | +2.9 pts |
| Construction | 9.0% | +2.5 pts |
| Public administration | 8.6% | -0.3 pts |
| Professional and administrative services | 7.4% | -9.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Appomattox County should have bank statements and tax returns ready.
The communities that make up Appomattox County
3 Census places fall mainly inside Appomattox County; the 3 biggest are below. They account for 3,821 residents, leaving about 77% of the county in unincorporated, unnamed areas. No Appomattox County place has a separate guide yet; this county page serves all 3.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Appomattox | town | 2,084 | $51,875 | $905 | 1 mi |
| Concord | CDP | 1,462 | $71,058 | $771 | 10 mi |
| Pamplin City | town | 275 | $68,750 | $831 | 10 mi |
Regional comparison for Appomattox County
Nearest neighbors first, measured between county centers (19 to 26 miles). 2 of the six report a higher median household income than Appomattox County; Amherst County is highest at $68,724 and Prince Edward County lowest at $56,315.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Appomattox County | - | $62,853 | $855/mo | 76% |
| Campbell County, VA | 19 mi | $66,165 | $891/mo | 75% |
| Buckingham County, VA | 21 mi | $60,828 | $927/mo | 77% |
| Lynchburg city, VA | 21 mi | $57,947 | $1,073/mo | 49% |
| Prince Edward County, VA | 23 mi | $56,315 | $931/mo | 58% |
| Amherst County, VA | 26 mi | $68,724 | $871/mo | 81% |
| Charlotte County, VA | 26 mi | $58,000 | $732/mo | 75% |
Debt-to-income at Appomattox County's medians
Here is the Appomattox County median household run through a simple DTI check. Your numbers will differ.
- $5,238 a month: gross income for a household at the Appomattox County median
- Housing at the median rent of $855 uses 16%
- At 36%, room after rent is $1,031 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Appomattox County's.
Appomattox County households compared
College graduates make up 19% of the adult population. The uninsured rate is 6.6%, against 6.9% for Virginia.
| Residents | Appomattox County | Virginia | Middle U.S. county |
|---|---|---|---|
| Median age | 43.2 | 39.0 | 41.5 |
| Bachelor's or higher | 19.2% | 42.2% | 22.2% |
| No high school diploma | 7.5% | 8.4% | n/a |
| No health insurance | 6.6% | 6.9% | 7.8% |
| No vehicle | 3.9% | 6.1% | 5.4% |
| Work from home | 10.3% | 18.3% | 8.7% |
| Poverty rate | 14.0% | 9.9% | 13.2% |
| Unemployment (ACS) | 5.1% | 4.3% | 4.4% |
| Minutes to work | Appomattox County workers |
|---|---|
| Under 15 min | 26.3% |
| 15 to 29 min | 28.4% |
| 30 to 44 min | 32.1% |
| 45 to 59 min | 7.1% |
| 60+ min | 6.1% |
Borrowing situations common in Appomattox County
Where the Appomattox County numbers stand out, and why it matters for a loan:
- 15% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Lender oversight for Appomattox County
Appomattox County borrowers fall under statewide rules, enforced by the Virginia Bureau of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Virginia state guide for the statewide picture.
Checklist for Appomattox County applicants
A short checklist for Appomattox County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Ask a Appomattox County credit union about member loans.
Nearby and statewide guides
For statewide rules and data, see the Virginia guide.
Frequently asked questions
Is Appomattox County a high-income county?
Its $62,853 median ranks 85th of 133 Virginia counties and compares with $65,681 for the median U.S. county.
What do renters pay in Appomattox County?
$855 a month at the median, about 16% of median household income.
Should Appomattox County homeowners use home equity instead?
Maybe, but weigh the risk: 76% of Appomattox County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Appomattox?
Yes, along with the other 2 Census places in Appomattox County, such as Concord, Pamplin City.
Can Appomattox County residents use the questionnaire?
Yes. It asks the same questions in every Virginia county, lists every requirement up front and does not affect your credit score.