1st Advantage MortgageThe median Hampton city household earns $69,621, and 13% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Hampton city
- How Hampton city residents earn a living
- Income in Hampton city compared with Virginia
- Renting and owning in Hampton city
- Places inside Hampton city
- The counties around Hampton city
- Room for a loan payment in Hampton city
- Hampton city households compared
- Borrowing situations common in Hampton city
- Checklist for Hampton city applicants
- Lender oversight for Hampton city
- More guides for Hampton city
- Frequently asked questions
Who lives in Hampton city
With an estimated 137,557 residents (ACS 2020 to 2024), Hampton city ranks 15th of 133 in Virginia for population. It covers 51 square miles of land, or about 2,673 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Virginia Beach-Chesapeake-Norfolk, VA-NC metropolitan area. The Census Bureau counts 1 place in the county (1 incorporated, 0 census-designated); the largest is Hampton, with about 137,557 residents, or 100% of the county.
How Hampton city residents earn a living
The biggest employer of Hampton city residents, by industry, is education and health care at 23% of workers, followed by professional and administrative services (12%). Manufacturing stands out: 11% of workers here, versus 7% statewide. ACS puts five-year average unemployment at 6.3% in Hampton city. Long commutes are the exception here: 11% of workers spend 45 minutes or longer getting to work. Only 7.6% of homes here go without a vehicle.
| Sector | Hampton city | Compared with Virginia |
|---|---|---|
| Education and health care | 22.7% | +0.4 pts |
| Professional and administrative services | 11.9% | -4.8 pts |
| Manufacturing | 11.3% | +4.3 pts |
| Retail trade | 10.5% | +0.7 pts |
| Public administration | 9.6% | +0.7 pts |
| Arts, lodging and food service | 8.6% | +0.6 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Income in Hampton city compared with Virginia
Hampton city households have a median income of $69,621 (ACS 2020 to 2024), which ranks 64th of 133 in Virginia.
| Yearly household income | Hampton city | Gap to Virginia |
|---|---|---|
| Under $35,000 | 24.1% | +6.2 pts |
| $35,000 to $99,999 | 44.2% | +9.0 pts |
| $100,000 to $199,999 | 25.3% | -3.9 pts |
| $200,000 or more | 6.3% | -11.3 pts |
About 24% of households earn under $35,000, while 32% clear $100,000. Census counts 12.7% of Hampton city residents in poverty, against 9.9% across Virginia. A household earning below the $69,621 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Renting and owning in Hampton city
Renters in Hampton city pay a median of $1,427 a month, 10% below the Virginia figure of $1,579. By the Census definition, 57% of Hampton city renters are cost-burdened. The median owner-occupied home is valued at $245,700, about 3.5 times the median household income. Owners occupy 57% of homes. The median home was built in 1974, so roofs, wiring and heating systems are a common source of repair bills.
| Home costs | Hampton city | Virginia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,427/mo | $1,579/mo | $877/mo |
| Median home value | $245,700 | $383,700 | $185,300 |
| Owners | 57% | 67% | 75% |
| Rent-burdened renters | 57% | 49% | 45% |
| Burdened owners | 34% | 25% | n/a |
| Mobile homes | 1.2% | 4.3% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Places inside Hampton city
Just one Census place, Hampton, lies mainly within Hampton city; it holds about 137,557 people. Hampton has no separate guide, so this county page serves it.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Hampton | city | 137,557 | $69,621 | $1,427 | 0 mi |
The counties around Hampton city
Distances run center to center, from Poquoson city at 6 miles out to Virginia Beach city at 24. 4 of the six report a higher median household income than Hampton city; Poquoson city is highest at $120,972 and Portsmouth city lowest at $60,491.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Hampton city | - | $69,621 | $1,427/mo | 57% |
| Poquoson city, VA | 6 mi | $120,972 | $1,707/mo | 85% |
| Norfolk city, VA | 9 mi | $66,109 | $1,321/mo | 46% |
| Newport News city, VA | 13 mi | $69,634 | $1,339/mo | 48% |
| York County, VA | 13 mi | $109,956 | $1,827/mo | 72% |
| Portsmouth city, VA | 13 mi | $60,491 | $1,300/mo | 58% |
| Virginia Beach city, VA | 24 mi | $92,968 | $1,714/mo | 65% |
Room for a loan payment in Hampton city
Here is the Hampton city median household run through a simple DTI check. Your numbers will differ.
- Start: $5,802 gross per month ($69,621 / 12)
- Rent at the median, $1,427, takes 25% of that
- Under a 43% cap, $2,495 total minus rent leaves $1,068
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Hampton city households compared
29% of Hampton city adults 25 and older hold a bachelor's degree or more. About 7% go without health insurance.
| Hampton city | Virginia | U.S. county median | |
|---|---|---|---|
| Median age | 36.8 | 39.0 | 41.5 |
| Bachelor's or higher | 28.5% | 42.2% | 22.2% |
| No high school diploma | 7.0% | 8.4% | n/a |
| No health insurance | 7.0% | 6.9% | 7.8% |
| No vehicle | 7.6% | 6.1% | 5.4% |
| Work from home | 10.4% | 18.3% | 8.7% |
| Poverty rate | 12.7% | 9.9% | 13.2% |
| Unemployment (ACS) | 6.3% | 4.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 30.6% |
| 15 to 29 min | 42.5% |
| 30 to 44 min | 16.3% |
| 45 to 59 min | 5.5% |
| 60+ min | 5.1% |
Borrowing situations common in Hampton city
Based on the Hampton city data above, these borrowing questions are most likely to matter locally.
- Renters under pressure. When 57% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Check your file. An error fixed before you apply can change the offers a Hampton city borrower sees (free reports).
Checklist for Hampton city applicants
Steps that save money for Hampton city residents:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Only work with lenders licensed for Virginia borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Lender oversight for Hampton city
The Virginia Bureau of Financial Institutions is the place to verify any lender's Virginia license. Federal complaints: consumerfinance.gov. More on Virginia: Virginia personal loans.
More guides for Hampton city
The Virginia guide covers the whole state.
Frequently asked questions
What does a typical Hampton city household make?
About $69,621 a year at the median (ACS 2020-24), 25% below the Virginia median.
What do renters pay in Hampton city?
$1,427 a month at the median, about 25% of median household income.
Which towns does the Hampton city guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Hampton.
Can Hampton city residents use the questionnaire?
Yes. It asks the same questions in every Virginia county, lists every requirement up front and does not affect your credit score.
Where can someone in Hampton city check a lender's license?
With the Virginia Bureau of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.