1st Advantage MortgageThe median Poquoson city household earns $120,972, and 4% 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
- Poquoson city by the numbers
- Poquoson city housing compared with Virginia
- Paychecks and income spread in Poquoson city
- Jobs and commutes in Poquoson city
- Poquoson city and the counties next door
- Towns and communities in Poquoson city
- Who lives in Poquoson city, in numbers
- Borrowing situations common in Poquoson city
- A Poquoson city household budget, worked through
- Four steps for Poquoson city borrowers
- Licensing and complaints for Poquoson city
- More guides for Poquoson city
- Frequently asked questions
Poquoson city by the numbers
With an estimated 12,639 residents (ACS 2020 to 2024), Poquoson city ranks 106th of 133 in Virginia for population. Packed into 15 square miles, that is close to 823 residents for every square mile of land. For statistical purposes it belongs to the Virginia Beach-Chesapeake-Norfolk, VA-NC metro area, as delineated by the Office of Management and Budget in July 2023. Poquoson, with about 12,639 people, is the only Census place mainly inside the county.
Poquoson city housing compared with Virginia
Median gross rent, utilities included, comes to $1,707 in Poquoson city versus $1,579 statewide. 66% of renting households spend 30% or more of income on rent, and 13% spend half or more. With a median value of $400,300, a typical Poquoson city house costs 3.3 times what the median household earns in a year. Owners occupy 85% of homes. Median construction year: 1977.
| Poquoson city | Virginia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,707/mo | $1,579/mo | $877/mo |
| Median home value | $400,300 | $383,700 | $185,300 |
| Owners | 85% | 67% | 75% |
| Rent-burdened renters | 66% | 49% | 45% |
| Burdened owners | 28% | 25% | n/a |
| Vacant units | 5% | 9% | 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). High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Paychecks and income spread in Poquoson city
Poquoson city households have a median income of $120,972 (ACS 2020 to 2024), which ranks 10th of 133 in Virginia.
| Band | Poquoson city | Compared with Virginia |
|---|---|---|
| Under $35,000 | 8.3% | -9.6 pts |
| $35,000 to $99,999 | 31.5% | -3.8 pts |
| $100,000 to $199,999 | 42.3% | +13.1 pts |
| $200,000 or more | 17.9% | +0.2 pts |
Some 8% of households here live on less than $35,000 a year; 60% have six-figure incomes. 4.5% of residents fall below the federal poverty line (statewide: 9.9%). The Gini index of income inequality is 0.373 (0 is perfect equality). A household earning below the $120,972 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Poquoson city
By the Census industry count, 25% of employed Poquoson city residents work in education and health care and 12% in manufacturing. Compared with Virginia, the county leans toward manufacturing (12% against 7%). Averaged over the five survey years, 3.2% of the labor force was out of work and looking. Long commutes are the exception here: 15% of workers spend 45 minutes or longer getting to work. 1.0% of households have no vehicle.
| Industry (employed residents 16+) | Poquoson city | Gap to Virginia |
|---|---|---|
| Education and health care | 24.9% | +2.6 pts |
| Manufacturing | 12.4% | +5.3 pts |
| Professional and administrative services | 11.5% | -5.3 pts |
| Retail trade | 11.5% | +1.7 pts |
| Public administration | 8.3% | -0.6 pts |
| Arts, lodging and food service | 8.0% | +0.1 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Poquoson city and the counties next door
Distances run center to center, from Hampton city at 6 miles out to Mathews County at 21. Income ranges from $60,491 in Portsmouth city to $109,956 in York County; none of these neighbors top Poquoson city's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Poquoson city | - | $120,972 | $1,707/mo | 85% |
| Hampton city, VA | 6 mi | $69,621 | $1,427/mo | 57% |
| York County, VA | 8 mi | $109,956 | $1,827/mo | 72% |
| Newport News city, VA | 13 mi | $69,634 | $1,339/mo | 48% |
| Norfolk city, VA | 15 mi | $66,109 | $1,321/mo | 46% |
| Portsmouth city, VA | 19 mi | $60,491 | $1,300/mo | 58% |
| Mathews County, VA | 21 mi | $75,880 | $1,032/mo | 84% |
Towns and communities in Poquoson city
Just one Census place, Poquoson, lies mainly within Poquoson city; it holds about 12,639 people. Poquoson has no separate guide, so this county page serves it.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Poquoson | city | 12,639 | $120,972 | $1,707 | 0 mi |
Who lives in Poquoson city, in numbers
Degree holders: 36% of adults over 25. The uninsured rate is 2.3%, against 6.9% for Virginia.
| Residents | Poquoson city | Virginia | Middle U.S. county |
|---|---|---|---|
| Median age | 41.2 | 39.0 | 41.5 |
| Bachelor's or higher | 36.3% | 42.2% | 22.2% |
| No high school diploma | 2.5% | 8.4% | n/a |
| No health insurance | 2.3% | 6.9% | 7.8% |
| No vehicle | 1.0% | 6.1% | 5.4% |
| Work from home | 11.7% | 18.3% | 8.7% |
| Poverty rate | 4.5% | 9.9% | 13.2% |
| Unemployment (ACS) | 3.2% | 4.3% | 4.4% |
| Minutes to work | Poquoson city workers |
|---|---|
| Under 15 min | 15.5% |
| 15 to 29 min | 51.2% |
| 30 to 44 min | 18.6% |
| 45 to 59 min | 3.9% |
| 60+ min | 10.9% |
Borrowing situations common in Poquoson city
Where the Poquoson city numbers stand out, and why it matters for a loan:
- Consolidation math. With 60% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Rent squeeze. 66% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
A Poquoson city household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Poquoson city household at the medians it works out like this; treat it as an illustration only.
- Start: $10,081 gross per month ($120,972 / 12)
- Housing at the median rent of $1,707 uses 17%
- $2,628: what a 43% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Four steps for Poquoson city borrowers
Before you apply, wherever you live in Poquoson city:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- A Virginia license check takes minutes; do it first.
- Ask a Poquoson city credit union about member loans.
Licensing and complaints for Poquoson city
No county office licenses personal lenders. For Poquoson city, check the Virginia Bureau of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. See the Virginia state guide for the statewide picture.
More guides for Poquoson city
For statewide rules and data, see the Virginia guide.
Frequently asked questions
How much do households in Poquoson city earn?
The median is $120,972; 60% earn $100,000 or more and 8% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Poquoson city?
Median gross rent, utilities included, is $1,707 a month; 66% of renters spend 30% or more of income on it.
Which towns does the Poquoson city guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Poquoson.
Does living in Poquoson city change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Poquoson city resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Poquoson city residents?
The Virginia Bureau of Financial Institutions licenses consumer lenders in Virginia; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.