1st Advantage MortgageThe median Waynesboro city household earns $59,994, and 11% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Virginia license first.
On this page
- Waynesboro city, VA: the basics
- Income in Waynesboro city compared with Virginia
- Waynesboro city housing compared with Virginia
- The Waynesboro city job picture
- Regional comparison for Waynesboro city
- Towns and communities in Waynesboro city
- A Waynesboro city household budget, worked through
- Borrowing situations common in Waynesboro city
- More Waynesboro city figures
- Virginia rules that apply in Waynesboro city
- Steps before you apply in Waynesboro city
- Nearby and statewide guides
- Frequently asked questions
Waynesboro city, VA: the basics
Roughly 22,841 residents live in Waynesboro city, Virginia, 75th by population among the state's 133 counties and county equivalents. Land area is 15 square miles (2024 Gazetteer), so density runs near 1,526 per square mile. The federal metro definitions (OMB, July 2023) place it in the Staunton-Stuarts Draft, VA metropolitan area. Of the 1 Census place inside Waynesboro city, Waynesboro leads by population with about 22,841.
Income in Waynesboro city compared with Virginia
At $59,994, the typical Waynesboro city household income is 9% below the median U.S. county ($65,681). That places it 93rd among Virginia's 133 county-level areas.
| Income band | Share in Waynesboro city | Difference from Virginia |
|---|---|---|
| Under $35,000 | 25.3% | +7.4 pts |
| $35,000 to $99,999 | 46.5% | +11.3 pts |
| $100,000 to $199,999 | 23.7% | -5.5 pts |
| $200,000 or more | 4.5% | -13.2 pts |
The spread is wide: 28% of Waynesboro city households make $100,000 or more, and 25% make less than $35,000. Census counts 11.2% of Waynesboro city residents in poverty, against 9.9% across Virginia. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Waynesboro city housing compared with Virginia
Median gross rent, utilities included, comes to $1,020 in Waynesboro city versus $1,579 statewide. 46% of renting households spend 30% or more of income on rent, and 21% spend half or more. The median owner-occupied home is valued at $245,500, about 4.1 times the median household income. Owners occupy 60% of homes. The median home was built in 1969, so roofs, wiring and heating systems are a common source of repair bills.
| Measure | Waynesboro city | Virginia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,020/mo | $1,579/mo | $877/mo |
| Median home value | $245,500 | $383,700 | $185,300 |
| Owners | 60% | 67% | 75% |
| Rent-burdened renters | 46% | 49% | 45% |
| Burdened owners | 30% | 25% | n/a |
| Mobile homes | 0.4% | 4.3% | n/a |
The Waynesboro city job picture
By the Census industry count, 25% of employed Waynesboro city residents work in education and health care and 15% in manufacturing. Compared with Virginia, the county leans toward manufacturing (15% against 7%). ACS puts five-year average unemployment at 5.1% in Waynesboro city. Long commutes are the exception here: 9% of workers spend 45 minutes or longer getting to work. 5.8% of households have no vehicle.
| Industry | Share of Waynesboro city workers | vs Virginia |
|---|---|---|
| Education and health care | 25.1% | +2.8 pts |
| Manufacturing | 14.9% | +7.9 pts |
| Retail trade | 12.1% | +2.3 pts |
| Professional and administrative services | 8.1% | -8.7 pts |
| Other services | 7.6% | +2.4 pts |
| Arts, lodging and food service | 7.0% | -0.9 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Regional comparison for Waynesboro city
The six counties whose centers lie closest to Waynesboro city's, from 11 to 26 miles away. Albemarle County leads the group on income ($104,392), Harrisonburg city trails ($62,254), and Waynesboro city out-earns 0 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Waynesboro city | - | $59,994 | $1,020/mo | 60% |
| Staunton city, VA | 11 mi | $65,581 | $1,024/mo | 61% |
| Augusta County, VA | 15 mi | $82,049 | $1,136/mo | 80% |
| Albemarle County, VA | 19 mi | $104,392 | $1,692/mo | 66% |
| Nelson County, VA | 19 mi | $72,589 | $946/mo | 80% |
| Charlottesville city, VA | 23 mi | $74,824 | $1,540/mo | 44% |
| Harrisonburg city, VA | 26 mi | $62,254 | $1,184/mo | 39% |
Towns and communities in Waynesboro city
Waynesboro is the only Census place mainly inside Waynesboro city, with about 22,841 of the county's 22,841 residents. Live in one of these Waynesboro city communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Waynesboro | city | 22,841 | $59,994 | $1,020 | 0 mi |
A Waynesboro city household budget, worked through
How much room does a median Waynesboro city budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $59,994 a year is $5,000 of gross monthly income
- Less median rent of $1,020, which is 20% of it
- At 40%, room after rent is $980 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Waynesboro city
Where the Waynesboro city numbers stand out, and why it matters for a loan:
- Hospital bills in Waynesboro city. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- 46% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
More Waynesboro city figures
Degree holders: 26% of adults over 25. About 10% go without health insurance.
| Indicator | Waynesboro city | All of Virginia | U.S. county median |
|---|---|---|---|
| Median age | 38.3 | 39.0 | 41.5 |
| Bachelor's or higher | 25.7% | 42.2% | 22.2% |
| No high school diploma | 10.9% | 8.4% | n/a |
| No health insurance | 10.3% | 6.9% | 7.8% |
| No vehicle | 5.8% | 6.1% | 5.4% |
| Work from home | 10.3% | 18.3% | 8.7% |
| Poverty rate | 11.2% | 9.9% | 13.2% |
| Unemployment (ACS) | 5.1% | 4.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 30.7% |
| 15 to 29 min | 45.0% |
| 30 to 44 min | 15.2% |
| 45 to 59 min | 7.1% |
| 60+ min | 2.0% |
Virginia rules that apply in Waynesboro city
Licensing happens at the state level, so a lender working with Waynesboro city borrowers answers to the Virginia Bureau of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Virginia state guide for the statewide picture.
Steps before you apply in Waynesboro city
A short checklist for Waynesboro city borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Virginia borrowers.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
The Virginia guide covers the whole state.
Frequently asked questions
What is the median household income in Waynesboro city?
$59,994 a year in the 2020 to 2024 Census survey, versus $93,170 for Virginia. It ranks 93rd of 133 in the state.
What do renters pay in Waynesboro city?
$1,020 a month at the median, about 20% of median household income.
I live in a small Waynesboro city town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Waynesboro.
Is the fit check different in Waynesboro city?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Waynesboro 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.