1st Advantage MortgageIn King and Queen County, Virginia, the typical household earns $70,469 a year and the typical rent is $1,004. 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
- A quick profile of King and Queen County
- What King and Queen County households earn
- Rent, home values and ownership in King and Queen County
- How King and Queen County residents earn a living
- Counties near King and Queen County
- Cities, towns and CDPs in King and Queen County
- What a median King and Queen County budget can carry
- What the numbers mean for King and Queen County borrowers
- People and households in King and Queen County
- Licensing and complaints for King and Queen County
- Steps before you apply in King and Queen County
- More guides for King and Queen County
- Frequently asked questions
A quick profile of King and Queen County
With an estimated 6,695 residents (ACS 2020 to 2024), King and Queen County ranks 123rd of 133 in Virginia for population. It covers 315 square miles of land, or about 21 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Richmond, VA metropolitan area. King and Queen Court House, with about 43 people, is the only Census place mainly inside the county. Because King and Queen County is small, the survey's margins of error are wide; treat the numbers as approximate.
What King and Queen County households earn
King and Queen County households have a median income of $70,469 (ACS 2020 to 2024), which ranks 61st of 133 in Virginia.
| Households earning | King and Queen County | +/- vs Virginia |
|---|---|---|
| Under $35,000 | 25.5% | +7.6 pts |
| $35,000 to $99,999 | 43.5% | +8.3 pts |
| $100,000 to $199,999 | 26.3% | -2.9 pts |
| $200,000 or more | 4.7% | -13.0 pts |
About 26% of households earn under $35,000, while 31% clear $100,000. The poverty rate is 17.9%, 8 points higher than the state's 9.9%. For a borrower in King and Queen County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Rent, home values and ownership in King and Queen County
Median gross rent, utilities included, comes to $1,004 in King and Queen County versus $1,579 statewide. By the Census definition, 46% of King and Queen County renters are cost-burdened. With a median value of $231,600, a typical King and Queen County house costs 3.3 times what the median household earns in a year. Owners occupy 76% of homes.
| Home costs | King and Queen County | Virginia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,004/mo | $1,579/mo | $877/mo |
| Median home value | $231,600 | $383,700 | $185,300 |
| Owners | 76% | 67% | 75% |
| Rent-burdened renters | 46% | 49% | 45% |
| Burdened owners | 27% | 25% | n/a |
| Mobile homes | 20.9% | 4.3% | n/a |
In an owner-heavy county like King and Queen 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.
How King and Queen County residents earn a living
Education and health care employs 21% of working residents, the largest share; construction is next with 18%. The sharpest difference from the state is in construction, at 18% locally and 7% for Virginia. The survey's unemployment rate for King and Queen County averages 5.2% over 2020 to 2024 (state: 4.3%). Long commutes are common here: 39% of workers spend 45 minutes or longer getting to work.
| Industry | Share of King and Queen County workers | vs Virginia |
|---|---|---|
| Education and health care | 21.3% | -1.0 pts |
| Construction | 17.6% | +11.1 pts |
| Retail trade | 10.3% | +0.5 pts |
| Manufacturing | 9.6% | +2.6 pts |
| Public administration | 7.7% | -1.2 pts |
| Professional and administrative services | 7.5% | -9.3 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.
Counties near King and Queen County
Distances run center to center, from King William County at 10 miles out to Charles City County at 26. 4 of the six report a higher median household income than King and Queen County; New Kent County is highest at $123,314 and Essex County lowest at $56,520.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| King and Queen County | - | $70,469 | $1,004/mo | 76% |
| King William County, VA | 10 mi | $86,056 | $1,166/mo | 89% |
| Essex County, VA | 15 mi | $56,520 | $972/mo | 72% |
| New Kent County, VA | 15 mi | $123,314 | $1,721/mo | 93% |
| Richmond County, VA | 18 mi | $66,304 | $1,067/mo | 75% |
| Middlesex County, VA | 22 mi | $75,060 | $1,059/mo | 87% |
| Charles City County, VA | 26 mi | $75,417 | $1,099/mo | 86% |
Cities, towns and CDPs in King and Queen County
Just one Census place, King and Queen Court House, lies mainly within King and Queen County; it holds about 43 people. None of the 1 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| King and Queen Court House | CDP | 43 | n/a | n/a | 4 mi |
A CDP is a named community without its own municipal government.
What a median King and Queen County budget can carry
How much room does a median King and Queen County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $70,469 a year is $5,872 of gross monthly income
- 17% goes to median rent ($1,004)
- 35% debt-to-income limit: $1,051 left for all other debt payments
- With a 45% ceiling, about $1,639 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
What the numbers mean for King and Queen County borrowers
A few patterns in the King and Queen County data, and the practical point behind each:
- Keeping the car running. At 39% with long commutes, repairs are a frequent King and Queen County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 21% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Older households. A 49.3 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
People and households in King and Queen County
Degree holders: 19% of adults over 25. The uninsured rate is 5.8%, against 6.9% for Virginia.
| Measure | King and Queen County | Virginia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 49.3 | 39.0 | 41.5 |
| Bachelor's or higher | 18.6% | 42.2% | 22.2% |
| No high school diploma | 9.4% | 8.4% | n/a |
| No health insurance | 5.8% | 6.9% | 7.8% |
| No vehicle | 4.8% | 6.1% | 5.4% |
| Work from home | 12.8% | 18.3% | 8.7% |
| Poverty rate | 17.9% | 9.9% | 13.2% |
| Unemployment (ACS) | 5.2% | 4.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 20.5% |
| 15 to 29 min | 18.9% |
| 30 to 44 min | 21.9% |
| 45 to 59 min | 20.5% |
| 60+ min | 18.3% |
Licensing and complaints for King and Queen County
The Virginia Bureau of Financial Institutions is the place to verify any lender's Virginia license. A CFPB complaint gets forwarded to the company for a response. More on Virginia: Virginia personal loans.
Steps before you apply in King and Queen County
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Virginia license check takes minutes; do it first.
- Ask about early-payoff penalties.
More guides for King and Queen County
For statewide rules and data, see the Virginia guide.
Frequently asked questions
Is King and Queen County a high-income county?
Its $70,469 median ranks 61st of 133 Virginia counties and compares with $65,681 for the median U.S. county.
What do renters pay in King and Queen County?
$1,004 a month at the median, about 17% of median household income.
Should King and Queen County homeowners use home equity instead?
Maybe, but weigh the risk: 76% of King and Queen County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover King and Queen Court House?
Yes, along with the other 0 Census places in King and Queen County.
Can King and Queen County 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.