1st Advantage MortgageIn Camden County, North Carolina, the typical household earns $91,078 a year and the typical rent is $1,232. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Camden County offer.
On this page
- 10,927 residents: Camden County basics
- Camden County industries and commutes
- What stands out in Camden County
- What Camden County households earn
- Housing costs in Camden County
- Camden County next to its neighbors
- Cities, towns and CDPs in Camden County
- Who lives in Camden County, in numbers
- Debt-to-income, Camden County edition
- What the numbers mean for Camden County borrowers
- Checklist for Camden County applicants
- Who licenses lenders for Camden County residents
- Keep exploring
- Frequently asked questions
10,927 residents: Camden County basics
With an estimated 10,927 residents (ACS 2020 to 2024), Camden County ranks 94th of 100 in North Carolina for population. Spread over 240 square miles, that works out to roughly 45.5 residents per square mile. For statistical purposes it belongs to the Virginia Beach-Chesapeake-Norfolk, VA-NC metro area, as delineated by the Office of Management and Budget in July 2023. Largest place: Camden, about 1,115 residents (10% of Camden County); 2 Census places in all.
Camden County industries and commutes
Education and health care (28%), professional and administrative services (12%) and retail trade (11%) lead Camden County's job mix. The sharpest difference from the state is in education and health care, at 28% locally and 23% for North Carolina. Unemployment in Camden County, ACS five-year: 5.5%; North Carolina: 4.7%. Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work. 1.4% of households have no vehicle.
| Industry (employed residents 16+) | Camden County | Gap to North Carolina |
|---|---|---|
| Education and health care | 28.2% | +5.7 pts |
| Professional and administrative services | 12.2% | -0.5 pts |
| Retail trade | 10.9% | -0.3 pts |
| Public administration | 9.1% | +4.9 pts |
| Arts, lodging and food service | 7.8% | -0.6 pts |
| Other services | 7.2% | +2.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Camden County should have bank statements and tax returns ready.
What stands out in Camden County
- Households without a vehicle: 1.4% in Camden County, the lowest of 100 in North Carolina. Nearly every household has a vehicle, so repair costs are a common reason to borrow.
- Camden County ranks the lowest of 100 North Carolina counties for the uninsured rate: 4.5%, against 9.9% statewide. Lower uninsured rates still leave deductibles; check what a plan covers first.
- The poverty rate: 6.1% in Camden County, the lowest of 100 in North Carolina. Even here, a fee-first loan offer is a scam.
What Camden County households earn
Median household income in Camden County: $91,078 (26% above North Carolina, $72,388). In the state ranking that is 5th of 100.
| Income band | Share in Camden County | Difference from North Carolina |
|---|---|---|
| Under $35,000 | 20.1% | -3.1 pts |
| $35,000 to $99,999 | 37.5% | -3.9 pts |
| $100,000 to $199,999 | 33.3% | +8.3 pts |
| $200,000 or more | 9.1% | -1.2 pts |
On the low end, 20% of Camden County households report under $35,000; at the top, 42% report $100,000-plus. 6.1% of residents fall below the federal poverty line (statewide: 13.0%). Gini index for Camden County: 0.407. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Camden County median.
Housing costs in Camden County
$1,232 a month is the median gross rent in Camden County. About 3 in 10 Camden County renters pay 30% or more of income for rent. Median value $337,100; median income $91,078; ratio 3.7. The ownership rate is 82%. The median year built is 1999. Nationally, Camden County's $1,232 rent is 40% above the middle county.
| Cost | Camden County | North Carolina figure | Higher or lower |
|---|---|---|---|
| Rent-burdened renters | 28% | 49% | -21.3 pts |
| Owners | 82% | 67% | +15.5 pts |
| Burdened owners | 27% | 25% | +2.9 pts |
| Mobile homes | 13.0% | 11.0% | +2.1 pts |
| Median home value | $337,100 | $288,900 | 17% higher |
| Median gross rent | $1,232/mo | $1,228/mo | level |
At a $337,100 median value, many Camden County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
Camden County next to its neighbors
Distances run center to center, from Pasquotank County at 8 miles out to Gates County at 31. Richest neighbor: Chesapeake city, $95,373. Poorest: Chowan County, $53,864. Camden County: $91,078. Some neighbors are in Virginia. Lender licensing is state by state, so a loan for a Camden County resident follows North Carolina rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Camden County | - | $91,078 | $1,232/mo | 82% |
| Pasquotank County, NC | 8 mi | $66,589 | $1,170/mo | 67% |
| Currituck County, NC | 12 mi | $93,511 | $1,162/mo | 87% |
| Perquimans County, NC | 17 mi | $67,917 | $1,008/mo | 77% |
| Chesapeake city, VA | 25 mi | $95,373 | $1,586/mo | 74% |
| Chowan County, NC | 29 mi | $53,864 | $681/mo | 71% |
| Gates County, NC | 31 mi | $66,333 | $1,143/mo | 81% |
Cities, towns and CDPs in Camden County
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 12% of Camden County residents live in one of the 2. Live in one of these Camden County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Camden | CDP | 1,115 | $94,412 | $1,115 | 1 mi |
| South Mills | CDP | 230 | n/a | n/a | 11 mi |
Who lives in Camden County, in numbers
29% of Camden County adults 25 and older hold a bachelor's degree or more. Health coverage gaps: 4.5% of Camden County residents are uninsured.
| Measure | Camden County | Gap to North Carolina | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 28.6% | -7.1 pts | +6.4 pts |
| Poverty rate | 6.1% | -6.9 pts | -7.0 pts |
| No health insurance | 4.5% | -5.3 pts | -3.3 pts |
| Work from home | 11.2% | -5.2 pts | +2.5 pts |
| No vehicle | 1.4% | -4.0 pts | -4.1 pts |
| No high school diploma | 6.9% | -3.0 pts | n/a |
| Median age | 40.8 | +1.7 yrs | -0.7 yrs |
| Unemployment (ACS) | 5.5% | +0.8 pts | +1.1 pts |
| Minutes to work | Camden County workers |
|---|---|
| Under 15 min | 22.5% |
| 15 to 29 min | 37.6% |
| 30 to 44 min | 21.8% |
| 45 to 59 min | 7.9% |
| 60+ min | 10.1% |
Debt-to-income, Camden County edition
The debt-to-income ratio is the main affordability test lenders use. Applied to Camden County's medians:
- $91,078 a year is $7,590 of gross monthly income
- 16% goes to median rent ($1,232)
- With a 36% ceiling, about $1,500 remains for car, card, student and any new loan payments
- Under a 43% cap, $3,264 total minus rent leaves $2,032
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Camden County's.
What the numbers mean for Camden County borrowers
Camden County-specific points to check:
- Commuter costs. 18% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured housing (13%). Camden County owners should get two written repair quotes before borrowing.
- Higher earners. 42% of households clear $100,000; shop at least three lenders and pick the shortest term.
Checklist for Camden County applicants
Before you apply, wherever you live in Camden County:
- Get a written quote for whatever you are paying for in Camden County.
- Shop at least three lenders, including one Camden County-area credit union.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Who licenses lenders for Camden County residents
Camden County borrowers fall under statewide rules, enforced by the North Carolina Office of the Commissioner of Banks. Federal complaints: consumerfinance.gov. Statewide data and rules: North Carolina guide.
Keep exploring
No city in Camden County has its own guide yet; the state page is next up.
Frequently asked questions
Where does Camden County rank on income in North Carolina?
5th of 100, with a median of $91,078. The state median is $72,388.
What do renters pay in Camden County?
$1,232 a month at the median, about 16% of median household income.
Does this page cover Camden?
Yes, along with the other 1 Census place in Camden County, such as South Mills.
Does living in Camden County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Camden County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Camden County check a lender's license?
With the North Carolina Office of the Commissioner of Banks. If a lender is unlicensed or asks for a fee before funding, walk away.