1st Advantage MortgageYork County households have a median income of $109,956 and median rent of $1,827 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Virginia before sharing details.
On this page
- A quick profile of York County
- Housing costs in York County
- What York County households earn
- Jobs and commutes in York County
- How York County compares with nearby counties
- York County towns compared
- People and households in York County
- What the numbers mean for York County borrowers
- Budget math at the York County median
- Licensing and complaints for York County
- A York County borrower's checklist
- More guides for York County
- Frequently asked questions
A quick profile of York County
With an estimated 71,005 residents (ACS 2020 to 2024), York County ranks 30th of 133 in Virginia for population. Land area is 105 square miles (2024 Gazetteer), so density runs near 678 per square mile. The federal metro definitions (OMB, July 2023) place it in the Virginia Beach-Chesapeake-Norfolk, VA-NC metropolitan area. Of the 2 Census places inside York County, Bethel Manor leads by population with about 4,393; 0 of the 2 are incorporated.
Housing costs in York County
Renters in York County pay a median of $1,827 a month, 16% above the Virginia figure of $1,579. 49% of renting households spend 30% or more of income on rent, and 25% spend half or more. With a median value of $433,200, a typical York County house costs 3.9 times what the median household earns in a year. Owners occupy 72% of homes. Half the housing stock was built before 1992.
| Home costs | York County | Virginia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,827/mo | $1,579/mo | $877/mo |
| Median home value | $433,200 | $383,700 | $185,300 |
| Owners | 72% | 67% | 75% |
| Rent-burdened renters | 49% | 49% | 45% |
| Burdened owners | 17% | 25% | n/a |
| Mobile homes | 1.0% | 4.3% | n/a |
| Vacant units | 5% | 9% | n/a |
What York County households earn
The median household income in York County is $109,956; statewide it is $93,170, so York County runs 18% above Virginia as a whole. Only 19 Virginia counties post a higher median.
| Household income | York County | vs Virginia |
|---|---|---|
| Under $35,000 | 12.1% | -5.8 pts |
| $35,000 to $99,999 | 32.1% | -3.2 pts |
| $100,000 to $199,999 | 36.6% | +7.5 pts |
| $200,000 or more | 19.2% | +1.6 pts |
About 12% of households earn under $35,000, while 56% clear $100,000. 5.6% of residents fall below the federal poverty line (statewide: 9.9%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Jobs and commutes in York County
By the Census industry count, 24% of employed York County residents work in education and health care and 15% in professional and administrative services. Manufacturing stands out: 10% of workers here, versus 7% statewide. ACS puts five-year average unemployment at 4.2% in York County. About 74% drive to work alone and 11% have trips of 45 minutes or more. Only 3.8% of homes here go without a vehicle.
| Industry | Share of York County workers | vs Virginia |
|---|---|---|
| Education and health care | 24.5% | +2.2 pts |
| Professional and administrative services | 15.0% | -1.8 pts |
| Public administration | 11.7% | +2.8 pts |
| Manufacturing | 9.8% | +2.8 pts |
| Retail trade | 9.5% | -0.2 pts |
| Arts, lodging and food service | 8.6% | +0.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in York County should have bank statements and tax returns ready.
How York County compares with nearby counties
Six nearby counties, 8 to 18 miles away by the straight-line distance between their centers. Income ranges from $69,621 in Hampton city to $120,972 in Poquoson city; 1 of these neighbors top York County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| York County | - | $109,956 | $1,827/mo | 72% |
| Poquoson city, VA | 8 mi | $120,972 | $1,707/mo | 85% |
| Newport News city, VA | 12 mi | $69,634 | $1,339/mo | 48% |
| Hampton city, VA | 13 mi | $69,621 | $1,427/mo | 57% |
| Gloucester County, VA | 14 mi | $84,306 | $1,096/mo | 80% |
| Mathews County, VA | 16 mi | $75,880 | $1,032/mo | 84% |
| Williamsburg city, VA | 18 mi | $75,604 | $1,407/mo | 53% |
York County towns compared
2 Census places fall mainly inside York County; the 2 biggest are below. They account for 4,521 residents, leaving about 94% of the county in unincorporated, unnamed areas. No York County place has a separate guide yet; this county page serves all 2.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Bethel Manor | CDP | 4,393 | $77,294 | $2,121 | 9 mi |
| Yorktown | CDP | 128 | $63,250 | n/a | 7 mi |
A CDP is a named community without its own municipal government.
People and households in York County
Degree holders: 50% of adults over 25. The uninsured rate is 3.6%, against 6.9% for Virginia.
| People and households | York County | Virginia | Median county |
|---|---|---|---|
| Median age | 39.9 | 39.0 | 41.5 |
| Bachelor's or higher | 50.0% | 42.2% | 22.2% |
| No high school diploma | 4.8% | 8.4% | n/a |
| No health insurance | 3.6% | 6.9% | 7.8% |
| No vehicle | 3.8% | 6.1% | 5.4% |
| Work from home | 14.4% | 18.3% | 8.7% |
| Poverty rate | 5.6% | 9.9% | 13.2% |
| Unemployment (ACS) | 4.2% | 4.3% | 4.4% |
| Commute length | York County |
|---|---|
| Under 15 min | 25.5% |
| 15 to 29 min | 46.2% |
| 30 to 44 min | 17.8% |
| 45 to 59 min | 5.1% |
| 60+ min | 5.4% |
What the numbers mean for York County borrowers
A few patterns in the York County data, and the practical point behind each:
- Higher earners. 56% of households clear $100,000; shop at least three lenders and pick the shortest term.
- 49% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Budget math at the York County median
York County at the medians, through a lender's eyes (what DTI means):
- $9,163 a month: gross income for a household at the York County median
- Median rent: $1,827, or 20 cents of every gross dollar
- With a 43% ceiling, about $2,113 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of York County's.
Licensing and complaints for York County
No county office licenses personal lenders. For York County, check the Virginia Bureau of Financial Institutions. Federal complaints: consumerfinance.gov. More on Virginia: Virginia personal loans.
A York County borrower's checklist
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in York County.
- Shop at least three lenders, including one York County-area credit union.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
More guides for York County
The Virginia guide covers the whole state.
Frequently asked questions
What does a typical York County household make?
About $109,956 a year at the median (ACS 2020-24), 18% above the Virginia median.
Is York County expensive for renters?
Median rent is $1,827 against $1,579 statewide, and 49% of renter households are cost-burdened.
Does this page cover Bethel Manor?
Yes, along with the other 1 Census place in York County, such as Yorktown.
Does my county matter to the questionnaire?
Only your state does. Whether you live in York County or elsewhere in Virginia, the same rules apply.
Is there a York County office that licenses lenders?
No, licensing is statewide. In Virginia it is the Virginia Bureau of Financial Institutions.