1st Advantage MortgageThe median Loudoun County household earns $181,765, and 4% of residents live below the poverty line. 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
- Getting oriented in Loudoun County
- Jobs and commutes in Loudoun County
- How much Loudoun County households make
- Rent, home values and ownership in Loudoun County
- Towns and communities in Loudoun County
- Counties near Loudoun County
- A Loudoun County household budget, worked through
- Reading the Loudoun County data as a borrower
- Who lives in Loudoun County, in numbers
- Virginia rules that apply in Loudoun County
- Four steps for Loudoun County borrowers
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Loudoun County
Roughly 432,998 residents live in Loudoun County, Virginia, 4th by population among the state's 133 counties and county equivalents. Land area is 516 square miles (2024 Gazetteer), so density runs near 840 per square mile. For statistical purposes it belongs to the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 30 places in the county (7 incorporated, 23 census-designated); the largest is Leesburg, with about 49,171 residents, or 11% of the county.
Jobs and commutes in Loudoun County
By the Census industry count, 30% of employed Loudoun County residents work in professional and administrative services and 17% in education and health care. The sharpest difference from the state is in professional and administrative services, at 30% locally and 17% for Virginia. ACS puts five-year average unemployment at 3.3% in Loudoun County. About 57% drive to work alone and 24% have trips of 45 minutes or more. Only 2.9% of homes here go without a vehicle.
| Industry | Share of Loudoun County workers | vs Virginia |
|---|---|---|
| Professional and administrative services | 29.6% | +12.9 pts |
| Education and health care | 17.1% | -5.2 pts |
| Public administration | 8.1% | -0.8 pts |
| Finance, insurance and real estate | 8.0% | +1.5 pts |
| Retail trade | 7.5% | -2.3 pts |
| Arts, lodging and food service | 6.6% | -1.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Loudoun County should have bank statements and tax returns ready.
How much Loudoun County households make
The median household income in Loudoun County is $181,765; statewide it is $93,170, so Loudoun County runs 95% above Virginia as a whole. In the state ranking that is 1st of 133.
| Households earning | Loudoun County | +/- vs Virginia |
|---|---|---|
| Under $35,000 | 6.6% | -11.3 pts |
| $35,000 to $99,999 | 17.5% | -17.7 pts |
| $100,000 to $199,999 | 31.2% | +2.0 pts |
| $200,000 or more | 44.7% | +27.0 pts |
About 7% of households earn under $35,000, while 76% clear $100,000. The poverty rate is 4.2%, 6 points lower than the state's 9.9%. A household earning below the $181,765 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Rent, home values and ownership in Loudoun County
A typical Loudoun County rental runs $2,386 a month including utilities, which is 51% above Virginia. By the Census definition, 44% of Loudoun County renters are cost-burdened. The median owner-occupied home is valued at $743,800, about 4.1 times the median household income. Owners occupy 78% of homes. The median year built is 2002.
| Cost | Loudoun County | Virginia figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $2,386/mo | $1,579/mo | $877/mo |
| Median home value | $743,800 | $383,700 | $185,300 |
| Owners | 78% | 67% | 75% |
| Rent-burdened renters | 44% | 49% | 45% |
| Burdened owners | 20% | 25% | n/a |
| Mobile homes | 0.5% | 4.3% | n/a |
| Vacant units | 3% | 9% | n/a |
Because most Loudoun 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.
Towns and communities in Loudoun County
The table lists the 14 largest of 30 Census places in Loudoun County, by population. Together all 30 hold about 337,908 people, so roughly 22% of residents live outside any named place. Among places of 500 or more people, median income runs from $104,545 in Middleburg to $242,542 in Belmont. Median rent ranges from $1,390 in Round Hill to $3,242 in Loudoun Valley Estates. This guide covers each of the 30 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Leesburg | town | 49,171 | $145,205 | $2,105 | 5 mi |
| Ashburn | CDP | 46,026 | $154,978 | $2,455 | 10 mi |
| South Riding | CDP | 34,352 | $196,403 | $2,905 | 14 mi |
| Sterling | CDP | 32,411 | $123,303 | $2,138 | 14 mi |
| Brambleton | CDP | 24,537 | $238,018 | $2,479 | 9 mi |
| Stone Ridge | CDP | 16,603 | $187,563 | $2,746 | 12 mi |
| Broadlands | CDP | 14,353 | $241,042 | $2,694 | 8 mi |
| Sugarland Run | CDP | 12,629 | $166,385 | $2,685 | 15 mi |
| Cascades | CDP | 12,357 | $167,171 | $2,657 | 14 mi |
| Lansdowne | CDP | 12,328 | $168,731 | $2,365 | 8 mi |
| Lowes Island | CDP | 11,018 | $220,833 | $2,840 | 15 mi |
| Loudoun Valley Estates | CDP | 10,271 | $224,704 | $3,242 | 10 mi |
| Belmont | CDP | 9,729 | $242,542 | $2,825 | 8 mi |
| Countryside | CDP | 9,661 | $148,810 | $2,234 | 12 mi |
A CDP is a named community without its own municipal government.
Counties near Loudoun County
Six nearby counties, 19 to 25 miles away by the straight-line distance between their centers. Montgomery County leads the group on income ($132,450), Jefferson County trails ($98,806), and Loudoun County out-earns 6 of the six. The list crosses into Maryland, West Virginia, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Loudoun County | - | $181,765 | $2,386/mo | 78% |
| Clarke County, VA | 19 mi | $117,111 | $1,371/mo | 81% |
| Jefferson County, WV | 20 mi | $98,806 | $1,108/mo | 80% |
| Montgomery County, MD | 24 mi | $132,450 | $2,068/mo | 65% |
| Manassas Park city, VA | 24 mi | $103,250 | $2,146/mo | 66% |
| Fairfax city, VA | 24 mi | $132,348 | $2,245/mo | 70% |
| Manassas city, VA | 25 mi | $113,590 | $1,850/mo | 71% |
A Loudoun County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Loudoun County's medians:
- Start: $15,147 gross per month ($181,765 / 12)
- 16% goes to median rent ($2,386)
- At 36%, room after rent is $3,067 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Loudoun County's.
Reading the Loudoun County data as a borrower
Based on the Loudoun County data above, these borrowing questions are most likely to matter locally.
- Keeping the car running. At 24% with long commutes, repairs are a frequent Loudoun County emergency; first decide if the car is worth fixing.
- Consolidation math. With 76% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Who lives in Loudoun County, in numbers
65% of Loudoun County adults 25 and older hold a bachelor's degree or more. 5.4% of residents have no health coverage.
| People and households | Loudoun County | Virginia | Median county |
|---|---|---|---|
| Median age | 38.2 | 39.0 | 41.5 |
| Bachelor's or higher | 64.6% | 42.2% | 22.2% |
| No high school diploma | 6.1% | 8.4% | n/a |
| No health insurance | 5.4% | 6.9% | 7.8% |
| No vehicle | 2.9% | 6.1% | 5.4% |
| Work from home | 31.2% | 18.3% | 8.7% |
| Poverty rate | 4.2% | 9.9% | 13.2% |
| Unemployment (ACS) | 3.3% | 4.3% | 4.4% |
| One-way commute | Share of Loudoun County workers |
|---|---|
| Under 15 min | 21.5% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 21.2% |
| 45 to 59 min | 11.1% |
| 60+ min | 13.3% |
Virginia rules that apply in Loudoun County
No county office licenses personal lenders. For Loudoun County, check the Virginia Bureau of Financial Institutions. Problems with a lender can also go to the CFPB. The Virginia guide covers state rules in more detail.
Four steps for Loudoun County borrowers
Quick steps for Loudoun County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
For statewide rules and data, see the Virginia guide.
Frequently asked questions
How much do households in Loudoun County earn?
The median is $181,765; 76% earn $100,000 or more and 7% under $35,000. A lender uses your own documented income, not this figure.
Is Loudoun County expensive for renters?
Median rent is $2,386 against $1,579 statewide, and 44% of renter households are cost-burdened.
Should Loudoun County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Loudoun 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 Loudoun County guide cover?
Every community in the county, unincorporated areas included. The largest of its 30 Census places: Leesburg, Ashburn, South Riding, Sterling, Brambleton.
Is the fit check different in Loudoun County?
No. It is identical everywhere, and it never looks at your neighborhood.