North Garden: Economy & Jobs
Median household income in North Garden is $108,258 (about the same as Albemarle County median $104,392; 1.2× higher than Virginia median $93,170), with homes at a median value of $553,600. The surrounding county supports 64,815 jobs (avg $72,866).
- $146,253 avg taxable income per return — higher than the median household income (vs Virginia $92,983).
Income & Affordability
Median household income $108,258 — above the Virginia median ($92,968). Poverty rate 4.1% (U.S. average ~12.5%).
| Affordability · Home Price To Income | 5.1× |
|---|---|
| Affordability · Home Affordability | expensive |
| Affordability · Poverty Rate | 4.1% |
| Affordability · Property Tax Pct Income | 4.2% |
| Irs Income · IRS tax returns filed | $54,920 |
| Irs Income · Total Adjusted Gross Income (thousands) | $8,032,223 |
| Irs Income · Average AGI per return | $146,253 (vs Virginia $92,983) |
| Irs Income · Year | 2022 |
| Income Estimate | $147,662 |
| Median Household Income | $108,258 (vs Virginia $92,968) |
| Poverty Rate | 4.1% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | white_collar |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | affluent |
| Economic Character · Median Income | $108,258 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 1.6% — below the U.S. average of ~4%. 8% work from home (U.S. average ~15%).
| Commuter Profile · Work From Home Pct | 8.1% |
|---|---|
| Commuter Profile · Primary Mode | drove alone |
| Employment · Avg annual employment (county) | 64,815 |
| Employment · Total annual wages (county) | $4,722,827,124 |
| Employment · Average annual pay | $72,866 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 3,981,130 |
| Unemployment Rate | 1.6% (vs Virginia 2.9%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 697 |
|---|---|
| Agriculture · Land In Farms Acres | 3,975 |
| Agriculture · Avg Farm Size Acres | 5.70 |
| Agriculture · Top Commodities | Fruit & Tree Nut Totals, Crop Totals, Animal Totals, Cattle, Horticulture Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 2,905 |
| Business Patterns · Total Employees | 42,291 |
| Business Patterns · Annual Payroll Thousands | 2,492,529 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 19 |
|---|---|
| Local Businesses · Convenience Stores | 17 |
| Local Businesses · Liquor Stores | 10 |
| Local Businesses · Gas Stations | 27 |
| Local Businesses · General Merchandise | 9 |
| Local Businesses · Clothing Stores | 5 |
| Local Businesses · Pet Stores | 6 |
| Local Businesses · Electronics Stores | 10 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 74 |
|---|---|
| Dining Scene · Fast Food | 74 |
| Dining Scene · Bars | 3 |
| Dining Scene · Coffee Snacks | 19 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (10)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (1)
| Nearest Snap · Name | Caul's Grocery |
|---|---|
| Nearest Snap · Total In Area | 1 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | BEDFORD AREA CHAMBER OF COMMERCE FOUNDATION INC |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $905,622,803 |
|---|---|
| Federal Spending · Per Capita | 8,057.50 (vs Virginia $14,580) |
| Federal Spending · Population | 112,395 people (vs Virginia 42,214) |
Sources: USAspending API
Other
| Pct Drove Alone | 86.0% |
|---|---|
| Pct Walked | 8.1% |
| Retirement Score · Median age | 51.4 years (vs Virginia 37.8y) |
| Retirement Score · Ss Household Pct | 45.8% |
| Retirement Score · Hospitals Nearby | 1 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | older population, strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | excellent |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12