1st Advantage MortgageAbout 80% of Dinwiddie County homes are owner-occupied, and the median household income is $83,704. 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
- First look: Dinwiddie County, VA
- Work, industries and travel time in Dinwiddie County
- The Dinwiddie County housing market in figures
- Income in Dinwiddie County compared with Virginia
- Dinwiddie County towns compared
- Regional comparison for Dinwiddie County
- Budget math at the Dinwiddie County median
- Local borrowing considerations for Dinwiddie County
- People and households in Dinwiddie County
- Four steps for Dinwiddie County borrowers
- Checking a lender's license in Virginia
- Beyond Dinwiddie County
- Frequently asked questions
First look: Dinwiddie County, VA
With an estimated 28,191 residents (ACS 2020 to 2024), Dinwiddie County ranks 62nd of 133 in Virginia for population. It covers 504 square miles of land, or about 56 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Richmond, VA metropolitan area. Dinwiddie is the biggest of its 2 Census places, at roughly 589 people (2% of the county total).
Work, industries and travel time in Dinwiddie County
Top Dinwiddie County industry by residents employed: education and health care, 21%; second, retail trade, 11%. Manufacturing stands out: 10% of workers here, versus 7% statewide. Unemployment in Dinwiddie County, ACS five-year: 4.6%; Virginia: 4.3%. 15% of Dinwiddie County workers get to work in under 15 minutes, while 24% need 45 or more.
| Top industries | Dinwiddie County share | +/- vs Virginia |
|---|---|---|
| Education and health care | 21.3% | -1.0 pts |
| Retail trade | 10.9% | +1.1 pts |
| Public administration | 10.6% | +1.7 pts |
| Manufacturing | 10.3% | +3.2 pts |
| Professional and administrative services | 9.9% | -6.9 pts |
| Construction | 8.9% | +2.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Dinwiddie County should have bank statements and tax returns ready.
The Dinwiddie County housing market in figures
A typical Dinwiddie County rental runs $1,224 a month including utilities, which is 22% below Virginia. 43% of renting households spend 30% or more of income on rent, and 29% spend half or more. The median owner-occupied home is valued at $257,800, about 3.1 times the median household income. In Dinwiddie County, 80% of occupied homes are owned by the people living in them.
| Measure | Dinwiddie County | Virginia | Gap |
|---|---|---|---|
| Owners | 80% | 67% | +12.3 pts |
| Mobile homes | 11.4% | 4.3% | +7.1 pts |
| Rent-burdened renters | 43% | 49% | -5.4 pts |
| Median home value | $257,800 | $383,700 | 33% lower |
| Burdened owners | 28% | 25% | +2.8 pts |
| Median gross rent | $1,224/mo | $1,579/mo | 22% lower |
With 80% of Dinwiddie County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Income in Dinwiddie County compared with Virginia
Dinwiddie County households have a median income of $83,704 (ACS 2020 to 2024), which ranks 44th of 133 in Virginia.
| Yearly household income | Dinwiddie County | Gap to Virginia |
|---|---|---|
| Under $35,000 | 21.8% | +3.9 pts |
| $35,000 to $99,999 | 40.0% | +4.7 pts |
| $100,000 to $199,999 | 30.9% | +1.7 pts |
| $200,000 or more | 7.4% | -10.3 pts |
Some 22% of households here live on less than $35,000 a year; 38% have six-figure incomes. The poverty rate is 11.7%, 2 points higher than the state's 9.9%. Income inequality, measured by the Gini index, comes to 0.432 here. None of these numbers decides a Dinwiddie County application. Lenders weigh your own documented income against your own debts.
Dinwiddie County towns compared
2 Census places fall mainly inside Dinwiddie County; the 2 biggest are below. They account for 1,107 residents, leaving about 96% of the county in unincorporated, unnamed areas. None of the 2 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Dinwiddie | CDP | 589 | $104,205 | n/a | 3 mi |
| McKenney | town | 518 | $52,500 | $950 | 8 mi |
Regional comparison for Dinwiddie County
Petersburg city is closest, 16 miles from center to center; the sixth, Hopewell city, is 24 miles off. Chesterfield County leads the group on income ($101,931), Petersburg city trails ($50,698), and Dinwiddie County out-earns 5 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Dinwiddie County | - | $83,704 | $1,224/mo | 80% |
| Petersburg city, VA | 16 mi | $50,698 | $1,174/mo | 39% |
| Colonial Heights city, VA | 18 mi | $76,505 | $1,234/mo | 68% |
| Chesterfield County, VA | 21 mi | $101,931 | $1,629/mo | 77% |
| Sussex County, VA | 23 mi | $63,530 | $907/mo | 70% |
| Nottoway County, VA | 24 mi | $63,261 | $972/mo | 67% |
| Hopewell city, VA | 24 mi | $54,729 | $1,106/mo | 58% |
Budget math at the Dinwiddie County median
Dinwiddie County's $83,704 median income, run through a debt-to-income check:
- Monthly gross at the median, Dinwiddie County: $6,975
- Median rent: $1,224, or 18 cents of every gross dollar
- 35% debt-to-income limit: $1,217 left for all other debt payments
- At 45%, room after rent is $1,915 a month
Two-income households and single earners in Dinwiddie County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Dinwiddie County
Where the Dinwiddie County numbers stand out, and why it matters for a loan:
- Car trouble. For Dinwiddie County drivers (24% with 45-minute-plus trips), price the repair against the car's value first.
- Advance-fee offers. No legitimate lender asks a Dinwiddie County borrower to pay first (scam signs).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
People and households in Dinwiddie County
Bachelor's degree or higher: 19% of Dinwiddie County adults. The uninsured rate is 6.0%, against 6.9% for Virginia.
| People and households | Dinwiddie County | Compared with Virginia | Compared with median county |
|---|---|---|---|
| Median age | 43.1 | +4.1 yrs | +1.6 yrs |
| Bachelor's or higher | 19.4% | -22.8 pts | -2.8 pts |
| No high school diploma | 9.2% | +0.7 pts | n/a |
| No health insurance | 6.0% | -0.9 pts | -1.8 pts |
| No vehicle | 4.4% | -1.7 pts | -1.0 pts |
| Work from home | 11.0% | -7.3 pts | +2.3 pts |
| Poverty rate | 11.7% | +1.8 pts | -1.5 pts |
| Unemployment (ACS) | 4.6% | +0.3 pts | +0.2 pts |
| Commute length | Dinwiddie County |
|---|---|
| Under 15 min | 15.2% |
| 15 to 29 min | 33.0% |
| 30 to 44 min | 27.5% |
| 45 to 59 min | 15.4% |
| 60+ min | 8.8% |
Four steps for Dinwiddie County borrowers
Quick steps for Dinwiddie County:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- A Virginia license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Checking a lender's license in Virginia
Licensing happens at the state level, so a lender working with Dinwiddie County borrowers answers to the Virginia Bureau of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Virginia guide covers state rules in more detail.
Beyond Dinwiddie County
No city in Dinwiddie County has its own guide yet; the state page is next up.
Frequently asked questions
What does a typical Dinwiddie County household make?
About $83,704 a year at the median (ACS 2020-24), 10% below the Virginia median.
How does Dinwiddie County rent compare with Virginia?
$1,224 locally versus $1,579 for the state, 22% below.
Should Dinwiddie County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Dinwiddie County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Dinwiddie County guide cover?
Every community in the county, unincorporated areas included. The largest of its 2 Census places: Dinwiddie, McKenney.
Is the fit check different in Dinwiddie County?
No. It is identical everywhere, and it never looks at your neighborhood.