1st Advantage MortgageCurrituck County households have a median income of $93,511 and median rent of $1,162 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in North Carolina before sharing details.
On this page
- Who lives in Currituck County
- Jobs and commutes in Currituck County
- Income in Currituck County compared with North Carolina
- Renting and owning in Currituck County
- Currituck County next to its neighbors
- Currituck County towns compared
- What a median Currituck County budget can carry
- People and households in Currituck County
- Local borrowing considerations for Currituck County
- Checklist for Currituck County applicants
- Lender oversight for Currituck County
- Nearby and statewide guides
- Frequently asked questions
Who lives in Currituck County
The latest five-year Census estimate puts Currituck County's population at 30,601; only 69 of North Carolina's 100 county-level areas are larger. Land area is 262 square miles (2024 Gazetteer), so density runs near 117 per square mile. It is one of the counties that make up the Virginia Beach-Chesapeake-Norfolk, VA-NC metropolitan statistical area (OMB, 2023). Of the 3 Census places inside Currituck County, Moyock leads by population with about 5,684; 0 of the 3 are incorporated.
Jobs and commutes in Currituck County
Education and health care employs 19% of working residents, the largest share; professional and administrative services is next with 14%. Public administration stands out: 8% of workers here, versus 4% statewide. ACS puts five-year average unemployment at 3.0% in Currituck County. About 79% drive to work alone and 38% have trips of 45 minutes or more.
| Industry | Share of Currituck County workers | vs North Carolina |
|---|---|---|
| Education and health care | 19.2% | -3.3 pts |
| Professional and administrative services | 14.1% | +1.4 pts |
| Retail trade | 13.2% | +2.0 pts |
| Construction | 10.5% | +3.2 pts |
| Public administration | 8.4% | +4.3 pts |
| Arts, lodging and food service | 8.1% | -0.3 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.
Income in Currituck County compared with North Carolina
Half of Currituck County households take in less than $93,511 a year and half take in more, 29% above the North Carolina median of $72,388. In the state ranking that is 4th of 100.
| Income band | Share in Currituck County | Difference from North Carolina |
|---|---|---|
| Under $35,000 | 16.1% | -7.1 pts |
| $35,000 to $99,999 | 36.1% | -5.3 pts |
| $100,000 to $199,999 | 33.1% | +8.2 pts |
| $200,000 or more | 14.6% | +4.2 pts |
The spread is wide: 48% of Currituck County households make $100,000 or more, and 16% make less than $35,000. The poverty rate is 7.5%, 6 points lower than the state's 13.0%. A household earning below the $93,511 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Renting and owning in Currituck County
A typical Currituck County rental runs $1,162 a month including utilities, which is 5% below North Carolina. By the Census definition, 48% of Currituck County renters are cost-burdened. Home values center on $378,800, or 4.1 years of median income. The ownership rate is 87%. Half the housing stock was built before 1998.
| Measure | Currituck County | North Carolina | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,162/mo | $1,228/mo | $877/mo |
| Median home value | $378,800 | $288,900 | $185,300 |
| Owners | 87% | 67% | 75% |
| Rent-burdened renters | 48% | 49% | 45% |
| Burdened owners | 27% | 25% | n/a |
| Mobile homes | 9.3% | 11.0% | n/a |
| Vacant units | 31% | 13% | n/a |
Because most Currituck County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Currituck County next to its neighbors
Nearest neighbors first, measured between county centers (12 to 37 miles). Income ranges from $41,685 in Tyrrell County to $95,373 in Chesapeake city; 1 of these neighbors top Currituck County's median. Some neighbors are in Virginia. Lender licensing is state by state, so a loan for a Currituck County resident follows North Carolina rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Currituck County | - | $93,511 | $1,162/mo | 87% |
| Camden County, NC | 12 mi | $91,078 | $1,232/mo | 82% |
| Pasquotank County, NC | 19 mi | $66,589 | $1,170/mo | 67% |
| Virginia Beach city, VA | 29 mi | $92,968 | $1,714/mo | 65% |
| Perquimans County, NC | 29 mi | $67,917 | $1,008/mo | 77% |
| Chesapeake city, VA | 29 mi | $95,373 | $1,586/mo | 74% |
| Tyrrell County, NC | 37 mi | $41,685 | $644/mo | 78% |
Currituck County towns compared
The table lists the 3 largest of 3 Census places in Currituck County, by population. Together all 3 hold about 8,472 people, so roughly 72% of residents live outside any named place. Among places of 500 or more people, median income runs from $62,847 in Grandy to $115,244 in Moyock. Median rent ranges from $1,122 in Grandy to $1,710 in Moyock. No Currituck County place has a separate guide yet; this county page serves all 3.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Moyock | CDP | 5,684 | $115,244 | $1,710 | 16 mi |
| Grandy | CDP | 2,245 | $62,847 | $1,122 | 10 mi |
| Coinjock | CDP | 543 | $68,861 | $1,600 | 2 mi |
What a median Currituck County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Currituck County's medians:
- $7,793 a month: gross income for a household at the Currituck County median
- Rent at the median, $1,162, takes 15% of that
- At 43%, room after rent is $2,189 a month
If your rent is above $1,162, the room shrinks dollar for dollar.
People and households in Currituck County
College graduates make up 31% of the adult population. 8.8% of residents have no health coverage.
| Measure | Currituck County | North Carolina statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 41.6 | 39.1 | 41.5 |
| Bachelor's or higher | 30.9% | 35.7% | 22.2% |
| No high school diploma | 6.8% | 9.9% | n/a |
| No health insurance | 8.8% | 9.9% | 7.8% |
| No vehicle | 2.1% | 5.3% | 5.4% |
| Work from home | 9.0% | 16.3% | 8.7% |
| Poverty rate | 7.5% | 13.0% | 13.2% |
| Unemployment (ACS) | 3.0% | 4.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 17.1% |
| 15 to 29 min | 21.3% |
| 30 to 44 min | 23.9% |
| 45 to 59 min | 21.0% |
| 60+ min | 16.7% |
Local borrowing considerations for Currituck County
What the Currituck County figures suggest, and what to check first:
- Long drives. With 38% of commutes over 45 minutes, tires and repairs are fixed costs in many Currituck County budgets.
- Strong incomes, long terms. 48% of Currituck County households earn $100,000+. The risk is a term that outlasts the need.
- 48% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Checklist for Currituck County applicants
Quick steps for Currituck County:
- Price the Currituck County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Ask a Currituck County credit union about member loans.
Lender oversight for Currituck County
Currituck County borrowers fall under statewide rules, enforced by the North Carolina Office of the Commissioner of Banks. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the North Carolina state guide for the statewide picture.
Nearby and statewide guides
The North Carolina guide covers the whole state.
Frequently asked questions
How much do households in Currituck County earn?
The median is $93,511; 48% earn $100,000 or more and 16% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Currituck County?
Median gross rent, utilities included, is $1,162 a month; 48% of renters spend 30% or more of income on it.
I own my home in Currituck County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 87% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Currituck County?
By population: Moyock, Grandy, Coinjock. The county has 3 Census places in all.
Are Currituck County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.