1st Advantage MortgageAbout 75% of Campbell County homes are owner-occupied, and the median household income is $66,165. 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
- Campbell County, VA: the basics
- Household income in Campbell County
- Jobs and commutes in Campbell County
- Campbell County housing compared with Virginia
- The counties around Campbell County
- The communities that make up Campbell County
- Debt-to-income at Campbell County's medians
- What the numbers mean for Campbell County borrowers
- Who lives in Campbell County, in numbers
- Before you sign
- Virginia rules that apply in Campbell County
- Nearby and statewide guides
- Frequently asked questions
Campbell County, VA: the basics
With an estimated 55,312 residents (ACS 2020 to 2024), Campbell County ranks 32nd of 133 in Virginia for population. It covers 503 square miles of land, or about 110 people per square mile. It is one of the counties that make up the Lynchburg, VA metropolitan statistical area (OMB, 2023). The Census Bureau counts 4 places in the county (2 incorporated, 2 census-designated); the largest is Timberlake, with about 12,725 residents, or 23% of the county.
Household income in Campbell County
Campbell County households have a median income of $66,165 (ACS 2020 to 2024), which ranks 72nd of 133 in Virginia.
| Yearly household income | Campbell County | Gap to Virginia |
|---|---|---|
| Under $35,000 | 24.1% | +6.2 pts |
| $35,000 to $99,999 | 46.9% | +11.7 pts |
| $100,000 to $199,999 | 24.4% | -4.8 pts |
| $200,000 or more | 4.6% | -13.1 pts |
Some 24% of households here live on less than $35,000 a year; 29% have six-figure incomes. 10.8% of residents fall below the federal poverty line (statewide: 9.9%). Income inequality, measured by the Gini index, comes to 0.415 here. A household earning below the $66,165 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Campbell County
By the Census industry count, 25% of employed Campbell County residents work in education and health care and 17% in manufacturing. The sharpest difference from the state is in manufacturing, at 17% locally and 7% for Virginia. The survey's unemployment rate for Campbell County averages 3.7% over 2020 to 2024 (state: 4.3%). 10% of commuters travel 45 minutes or more each way, and 10% work from home. Households without a car make up 4.7% of the total (6.1% statewide).
| Top industries | Campbell County share | +/- vs Virginia |
|---|---|---|
| Education and health care | 25.2% | +2.9 pts |
| Manufacturing | 17.5% | +10.4 pts |
| Retail trade | 11.9% | +2.2 pts |
| Professional and administrative services | 8.0% | -8.8 pts |
| Construction | 7.6% | +1.1 pts |
| Arts, lodging and food service | 7.5% | -0.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Campbell County housing compared with Virginia
Median gross rent, utilities included, comes to $891 in Campbell County versus $1,579 statewide. By the Census definition, 34% of Campbell County renters are cost-burdened. The median owner-occupied home is valued at $211,600, about 3.2 times the median household income. 75% of Campbell County households own their home and 25% rent. Median construction year: 1982.
| Housing | Campbell County | Virginia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $891/mo | $1,579/mo | $877/mo |
| Median home value | $211,600 | $383,700 | $185,300 |
| Owners | 75% | 67% | 75% |
| Rent-burdened renters | 34% | 49% | 45% |
| Burdened owners | 23% | 25% | n/a |
| Mobile homes | 18.3% | 4.3% | n/a |
In an owner-heavy county like Campbell 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.
The counties around Campbell County
Lynchburg city is closest, 14 miles from center to center; the sixth, Pittsylvania County, is 32 miles off. 2 of the six report a higher median household income than Campbell County; Bedford County is highest at $78,937 and Pittsylvania County lowest at $54,085.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Campbell County | - | $66,165 | $891/mo | 75% |
| Lynchburg city, VA | 14 mi | $57,947 | $1,073/mo | 49% |
| Appomattox County, VA | 19 mi | $62,853 | $855/mo | 76% |
| Bedford County, VA | 25 mi | $78,937 | $952/mo | 85% |
| Charlotte County, VA | 28 mi | $58,000 | $732/mo | 75% |
| Amherst County, VA | 29 mi | $68,724 | $871/mo | 81% |
| Pittsylvania County, VA | 32 mi | $54,085 | $861/mo | 79% |
The communities that make up Campbell County
The table lists the 4 largest of 4 Census places in Campbell County, by population. Together all 4 hold about 18,784 people, so roughly 66% of residents live outside any named place. Timberlake has the highest median household income on the list ($75,657) and Brookneal the lowest ($44,850), counting places with at least 500 residents. Rent is cheapest in Brookneal ($843) and steepest in Timberlake ($1,083). No Campbell County place has a separate guide yet; this county page serves all 4.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Timberlake | CDP | 12,725 | $75,657 | $1,083 | 11 mi |
| Altavista | town | 3,342 | $51,349 | $910 | 12 mi |
| Rustburg | CDP | 1,417 | $72,950 | $910 | 4 mi |
| Brookneal | town | 1,300 | $44,850 | $843 | 14 mi |
Debt-to-income at Campbell County's medians
The debt-to-income ratio is the main affordability test lenders use. Applied to Campbell County's medians:
- $66,165 a year is $5,514 of gross monthly income
- Rent at the median, $891, takes 16% of that
- Under a 35% cap, $1,930 total minus rent leaves $1,039
- $1,590: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
What the numbers mean for Campbell County borrowers
The county's numbers point to a few situations that come up often for Campbell County borrowers.
- Manufactured homes. 18% of Campbell County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Who lives in Campbell County, in numbers
College graduates make up 26% of the adult population. About 5% go without health insurance.
| Measure | Campbell County | Virginia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 43.6 | 39.0 | 41.5 |
| Bachelor's or higher | 26.1% | 42.2% | 22.2% |
| No high school diploma | 9.9% | 8.4% | n/a |
| No health insurance | 4.7% | 6.9% | 7.8% |
| No vehicle | 4.7% | 6.1% | 5.4% |
| Work from home | 9.8% | 18.3% | 8.7% |
| Poverty rate | 10.8% | 9.9% | 13.2% |
| Unemployment (ACS) | 3.7% | 4.3% | 4.4% |
| Commute length | Campbell County |
|---|---|
| Under 15 min | 24.6% |
| 15 to 29 min | 46.3% |
| 30 to 44 min | 19.5% |
| 45 to 59 min | 4.6% |
| 60+ min | 5.1% |
Before you sign
Steps that save money for Campbell County residents:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Verify the Virginia license before giving out your Social Security number.
- Pick the shortest term whose payment still fits.
Virginia rules that apply in Campbell County
Campbell County borrowers fall under statewide rules, enforced by the Virginia Bureau of Financial Institutions. Problems with a lender can also go to the CFPB. See the Virginia state guide for the statewide picture.
Nearby and statewide guides
For statewide rules and data, see the Virginia guide.
Frequently asked questions
What is the median household income in Campbell County?
$66,165 a year in the 2020 to 2024 Census survey, versus $93,170 for Virginia. It ranks 72nd of 133 in the state.
How much is rent in Campbell County?
Median gross rent, utilities included, is $891 a month; 34% of renters spend 30% or more of income on it.
I own my home in Campbell County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 75% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Timberlake?
Yes, along with the other 3 Census places in Campbell County, such as Altavista, Rustburg, Brookneal.
Does living in Campbell 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 Campbell County resident as anyone. Lenders decide under fair-lending law.