1st Advantage MortgageWilliamsburg city households have a median income of $75,604 and median rent of $1,407 a month (ACS 2020 to 2024). 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
- Who lives in Williamsburg city
- Housing costs in Williamsburg city
- How much Williamsburg city households make
- Employment and commuting in Williamsburg city
- Williamsburg city next to its neighbors
- Cities, towns and CDPs in Williamsburg city
- Williamsburg city residents: age, schooling, coverage
- Reading the Williamsburg city data as a borrower
- Budget math at the Williamsburg city median
- Steps before you apply in Williamsburg city
- Who licenses lenders for Williamsburg city residents
- More guides for Williamsburg city
- Frequently asked questions
Who lives in Williamsburg city
Williamsburg city is home to about 15,798 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 94th most populous of 133 county-level areas in Virginia. It covers 9 square miles of land, or about 1,768 people per square mile. 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. Williamsburg, with about 15,798 people, is the only Census place mainly inside the county.
Housing costs in Williamsburg city
Median gross rent, utilities included, comes to $1,407 in Williamsburg city versus $1,579 statewide. 63% of renting households spend 30% or more of income on rent, and 44% spend half or more. The median owner-occupied home is valued at $428,100, about 5.7 times the median household income. Owners occupy 53% of homes. Half the housing stock was built before 1987.
| Home costs | Williamsburg city | Virginia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,407/mo | $1,579/mo | $877/mo |
| Median home value | $428,100 | $383,700 | $185,300 |
| Owners | 53% | 67% | 75% |
| Rent-burdened renters | 63% | 49% | 45% |
| Burdened owners | 22% | 25% | n/a |
| Mobile homes | 0.0% | 4.3% | n/a |
| Vacant units | 13% | 9% | n/a |
With renters making up 47% of households, many Williamsburg city borrowers have no home equity to fall back on, so the cheapest written offer on an unsecured loan matters more. High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How much Williamsburg city households make
Williamsburg city households have a median income of $75,604 (ACS 2020 to 2024), which ranks 54th of 133 in Virginia.
| Households earning | Williamsburg city | +/- vs Virginia |
|---|---|---|
| Under $35,000 | 26.7% | +8.8 pts |
| $35,000 to $99,999 | 34.9% | -0.4 pts |
| $100,000 to $199,999 | 27.6% | -1.6 pts |
| $200,000 or more | 10.8% | -6.9 pts |
The spread is wide: 38% of Williamsburg city households make $100,000 or more, and 27% make less than $35,000. The poverty rate is 18.8%, 9 points higher than the state's 9.9%. Income inequality, measured by the Gini index, comes to 0.527 here. A household earning below the $75,604 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Williamsburg city
By the Census industry count, 36% of employed Williamsburg city residents work in education and health care and 15% in arts, lodging and food service. The sharpest difference from the state is in education and health care, at 36% locally and 22% for Virginia. The survey's unemployment rate for Williamsburg city averages 6.8% over 2020 to 2024 (state: 4.3%). 9% of commuters travel 45 minutes or more each way, and 18% work from home. Households without a car make up 6.5% of the total (6.1% statewide).
| Industry (employed residents 16+) | Williamsburg city | Gap to Virginia |
|---|---|---|
| Education and health care | 36.4% | +14.1 pts |
| Arts, lodging and food service | 15.1% | +7.2 pts |
| Retail trade | 12.9% | +3.1 pts |
| Professional and administrative services | 11.9% | -4.9 pts |
| Manufacturing | 4.9% | -2.1 pts |
| Finance, insurance and real estate | 4.6% | -1.9 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Williamsburg city next to its neighbors
Distances run center to center, from James City County at 5 miles out to Charles City County at 20. 4 of the six report a higher median household income than Williamsburg city; James City County is highest at $109,985 and Newport News city lowest at $69,634.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Williamsburg city | - | $75,604 | $1,407/mo | 53% |
| James City County, VA | 5 mi | $109,985 | $1,552/mo | 77% |
| Gloucester County, VA | 14 mi | $84,306 | $1,096/mo | 80% |
| Surry County, VA | 14 mi | $78,041 | $983/mo | 80% |
| Newport News city, VA | 17 mi | $69,634 | $1,339/mo | 48% |
| York County, VA | 18 mi | $109,956 | $1,827/mo | 72% |
| Charles City County, VA | 20 mi | $75,417 | $1,099/mo | 86% |
Cities, towns and CDPs in Williamsburg city
Just one Census place, Williamsburg, lies mainly within Williamsburg city; it holds about 15,798 people. Williamsburg has no separate guide, so this county page serves it.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Williamsburg | city | 15,798 | $75,604 | $1,407 | 0 mi |
Williamsburg city residents: age, schooling, coverage
College graduates make up 46% of the adult population. 6.2% of residents have no health coverage.
| People and households | Williamsburg city | Virginia | Median county |
|---|---|---|---|
| Median age | 23.7 | 39.0 | 41.5 |
| Bachelor's or higher | 45.8% | 42.2% | 22.2% |
| No high school diploma | 6.5% | 8.4% | n/a |
| No health insurance | 6.2% | 6.9% | 7.8% |
| No vehicle | 6.5% | 6.1% | 5.4% |
| Work from home | 18.1% | 18.3% | 8.7% |
| Poverty rate | 18.8% | 9.9% | 13.2% |
| Unemployment (ACS) | 6.8% | 4.3% | 4.4% |
| Minutes to work | Williamsburg city workers |
|---|---|
| Under 15 min | 42.2% |
| 15 to 29 min | 36.6% |
| 30 to 44 min | 12.5% |
| 45 to 59 min | 2.4% |
| 60+ min | 6.2% |
Reading the Williamsburg city data as a borrower
Based on the Williamsburg city data above, these borrowing questions are most likely to matter locally.
- 19% below poverty. Emergency aid, payment plans and counseling (list) come first.
- Tight rental budgets. With 63% of Williamsburg city renters cost-burdened, test a new payment against a lean month.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Budget math at the Williamsburg city median
Williamsburg city at the medians, through a lender's eyes (what DTI means):
- $6,300 a month: gross income for a household at the Williamsburg city median
- Rent at the median, $1,407, takes 22% of that
- Under a 36% cap, $2,268 total minus rent leaves $861
- With a 43% ceiling, about $1,302 remains for car, card, student and any new loan payments
If your rent is above $1,407, the room shrinks dollar for dollar.
Steps before you apply in Williamsburg city
Steps that save money for Williamsburg city residents:
- Price the Williamsburg city expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Who licenses lenders for Williamsburg city residents
Before sharing details with a lender, a Williamsburg city resident can confirm its license with the Virginia Bureau of Financial Institutions. Federal complaints: consumerfinance.gov. See the Virginia state guide for the statewide picture.
More guides for Williamsburg city
The Virginia guide covers the whole state.
Frequently asked questions
How much do households in Williamsburg city earn?
The median is $75,604; 38% earn $100,000 or more and 27% under $35,000. A lender uses your own documented income, not this figure.
Is Williamsburg city expensive for renters?
Median rent is $1,407 against $1,579 statewide, and 63% of renter households are cost-burdened.
I live in a small Williamsburg city town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Williamsburg.
Will a Williamsburg city address affect my match?
Beyond confirming Virginia as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Williamsburg city office that licenses lenders?
No, licensing is statewide. In Virginia it is the Virginia Bureau of Financial Institutions.