1st Advantage MortgageIn Greene County, Virginia, the typical household earns $89,808 a year and the typical rent is $1,309. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Virginia before sharing details.
On this page
- Who lives in Greene County
- How much Greene County households make
- Housing costs in Greene County
- How Greene County residents earn a living
- The communities that make up Greene County
- Greene County and the counties next door
- Debt-to-income at Greene County's medians
- Local borrowing considerations for Greene County
- Greene County residents: age, schooling, coverage
- Virginia rules that apply in Greene County
- Checklist for Greene County applicants
- Nearby and statewide guides
- Frequently asked questions
Who lives in Greene County
Roughly 21,155 residents live in Greene County, Virginia, 80th by population among the state's 133 counties and county equivalents. Land area is 156 square miles (2024 Gazetteer), so density runs near 136 per square mile. It is one of the counties that make up the Charlottesville, VA metropolitan statistical area (OMB, 2023). Twin Lakes is the biggest of its 3 Census places, at roughly 1,562 people (7% of the county total).
How much Greene County households make
Greene County households have a median income of $89,808 (ACS 2020 to 2024), which ranks 32nd of 133 in Virginia.
| Household income | Greene County | vs Virginia |
|---|---|---|
| Under $35,000 | 13.5% | -4.4 pts |
| $35,000 to $99,999 | 41.8% | +6.6 pts |
| $100,000 to $199,999 | 31.3% | +2.1 pts |
| $200,000 or more | 13.4% | -4.3 pts |
About 13% of households earn under $35,000, while 45% clear $100,000. The poverty rate is 13.7%, 4 points higher than the state's 9.9%. The Gini index of income inequality is 0.428 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Greene County median.
Housing costs in Greene County
Renters in Greene County pay a median of $1,309 a month, 17% below the Virginia figure of $1,579. 33% of renting households spend 30% or more of income on rent, and 16% spend half or more. The median owner-occupied home is valued at $343,300, about 3.8 times the median household income. The ownership rate is 83%. Half the housing stock was built before 1994.
| Measure | Greene County | Virginia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,309/mo | $1,579/mo | $877/mo |
| Median home value | $343,300 | $383,700 | $185,300 |
| Owners | 83% | 67% | 75% |
| Rent-burdened renters | 33% | 49% | 45% |
| Burdened owners | 23% | 25% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
How Greene County residents earn a living
The biggest employer of Greene County residents, by industry, is education and health care at 26% of workers, followed by professional and administrative services (14%). Education and health care stands out: 26% of workers here, versus 22% statewide. The survey's unemployment rate for Greene County averages 1.8% over 2020 to 2024 (state: 4.3%). About 70% drive to work alone and 19% have trips of 45 minutes or more. Only 3.0% of homes here go without a vehicle.
| Sector | Greene County | Compared with Virginia |
|---|---|---|
| Education and health care | 26.3% | +4.0 pts |
| Professional and administrative services | 14.2% | -2.6 pts |
| Retail trade | 12.4% | +2.6 pts |
| Construction | 8.6% | +2.1 pts |
| Manufacturing | 7.1% | +0.1 pts |
| Public administration | 6.3% | -2.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Greene County should have bank statements and tax returns ready.
The communities that make up Greene County
3 Census places fall mainly inside Greene County; the 3 biggest are below. They account for 3,701 residents, leaving about 83% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $65,500 in Stanardsville to $101,875 in Ruckersville. No Greene County place has a separate guide yet; this county page serves all 3.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Twin Lakes | CDP | 1,562 | $66,526 | n/a | 4 mi |
| Ruckersville | CDP | 1,399 | $101,875 | n/a | 7 mi |
| Stanardsville | town | 740 | $65,500 | $1,049 | 2 mi |
Greene County and the counties next door
Six nearby counties, 13 to 25 miles away by the straight-line distance between their centers. 2 of the six report a higher median household income than Greene County; Albemarle County is highest at $104,392 and Page County lowest at $57,037.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Greene County | - | $89,808 | $1,309/mo | 83% |
| Madison County, VA | 13 mi | $84,323 | $1,166/mo | 78% |
| Charlottesville city, VA | 18 mi | $74,824 | $1,540/mo | 44% |
| Albemarle County, VA | 19 mi | $104,392 | $1,692/mo | 66% |
| Page County, VA | 23 mi | $57,037 | $879/mo | 72% |
| Harrisonburg city, VA | 24 mi | $62,254 | $1,184/mo | 39% |
| Orange County, VA | 25 mi | $94,008 | $1,205/mo | 79% |
Debt-to-income at Greene County's medians
Greene County at the medians, through a lender's eyes (what DTI means):
- Start: $7,484 gross per month ($89,808 / 12)
- Housing at the median rent of $1,309 uses 17%
- $1,385: what a 36% ratio leaves once rent is paid
If your rent is above $1,309, the room shrinks dollar for dollar.
Local borrowing considerations for Greene County
A few patterns in the Greene County data, and the practical point behind each:
- Keeping the car running. At 19% with long commutes, repairs are a frequent Greene County emergency; first decide if the car is worth fixing.
- Consolidation math. With 45% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Greene County residents: age, schooling, coverage
32% of Greene County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 6.8%, against 6.9% for Virginia.
| Greene County | Virginia | U.S. county median | |
|---|---|---|---|
| Median age | 40.3 | 39.0 | 41.5 |
| Bachelor's or higher | 31.5% | 42.2% | 22.2% |
| No high school diploma | 8.6% | 8.4% | n/a |
| No health insurance | 6.8% | 6.9% | 7.8% |
| No vehicle | 3.0% | 6.1% | 5.4% |
| Work from home | 17.5% | 18.3% | 8.7% |
| Poverty rate | 13.7% | 9.9% | 13.2% |
| Unemployment (ACS) | 1.8% | 4.3% | 4.4% |
| One-way commute | Share of Greene County workers |
|---|---|
| Under 15 min | 12.8% |
| 15 to 29 min | 37.1% |
| 30 to 44 min | 31.3% |
| 45 to 59 min | 9.0% |
| 60+ min | 9.7% |
Virginia rules that apply in Greene County
Consumer lenders serving Greene County are licensed by the state, not the county; in Virginia that is the Virginia Bureau of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Virginia state guide for the statewide picture.
Checklist for Greene County applicants
Quick steps for Greene County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Greene County-area credit union.
- A Virginia license check takes minutes; do it first.
- Ask a Greene County credit union about member loans.
Nearby and statewide guides
The Virginia guide covers the whole state.
Frequently asked questions
What does a typical Greene County household make?
About $89,808 a year at the median (ACS 2020-24), 4% below the Virginia median.
Is Greene County expensive for renters?
Median rent is $1,309 against $1,579 statewide, and 33% of renter households are cost-burdened.
I own my home in Greene County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 83% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Greene County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Twin Lakes, Ruckersville, Stanardsville.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Greene County or elsewhere in Virginia, the same rules apply.