Stephens City: Economy & Jobs
$102,593 is the median household income in Stephens City (1.1× higher than Frederick County median $97,606; 1.1× higher than Virginia median $93,170), with homes at a median value of $325,100. The surrounding county supports 39,388 jobs (avg $62,069).
- $83,373 avg taxable income per return — lower than the median household income (vs Virginia $92,983).
Income & Affordability
Median household income $102,593 — above the Virginia median ($92,968). Poverty rate 4.3% (U.S. average ~12.5%). 20% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 3.2× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 14.0% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 20.4% |
| Affordability · Poverty Rate | 4.3% |
| Affordability · Property Tax Pct Income | 1.6% |
| Irs Income · IRS tax returns filed | $47,460 |
| Irs Income · Total Adjusted Gross Income (thousands) | $3,956,869 |
| Irs Income · Average AGI per return | $83,373 (vs Virginia $92,983) |
| Irs Income · Year | 2022 |
| Income Estimate | $107,399 |
| Median Household Income | $102,593 (vs Virginia $92,968) |
| Poverty Rate | 4.3% |
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 | $102,593 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 3.2% — below the U.S. average of ~4%. 10% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 43.70 |
|---|---|
| Commuter Profile · Work From Home Pct | 10.0% |
| Commuter Profile · Profile | long commute / bedroom community |
| Employment · Avg annual employment (county) | 39,388 |
| Employment · Total annual wages (county) | $2,444,776,742 |
| Employment · Average annual pay | $62,069 |
| 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 | 3.2% (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 | 11 |
|---|---|
| Agriculture · Land In Farms Acres | 11,048 |
| Agriculture · Avg Farm Size Acres | 1,004.40 |
| Agriculture · Top Commodities | Fruit & Tree Nut Totals, Crop Totals, Animal Totals, Grain, Cattle |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 1,670 |
| Business Patterns · Total Employees | 31,434 |
| Business Patterns · Annual Payroll Thousands | 1,649,760 |
| 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 | 10 |
|---|---|
| Local Businesses · Convenience Stores | 9 |
| Local Businesses · Liquor Stores | 5 |
| Local Businesses · Gas Stations | 26 |
| Local Businesses · General Merchandise | 8 |
| Local Businesses · Pet Stores | 4 |
| Local Businesses · Electronics Stores | 4 |
| Local Businesses · New Car Dealers | 6 |
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 | 47 |
|---|---|
| Dining Scene · Fast Food | 51 |
| Dining Scene · Coffee Snacks | 6 |
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 (6)
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 (5)
| Nearest Snap · Name | Sheetz 197 |
|---|---|
| Nearest Snap · Total In Area | 14 |
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 | FREDERICKSBURG REGIONAL CHAMBER OF COMMERCE |
|---|
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 | $676,756,916 |
|---|---|
| Federal Spending · Per Capita | 7,402.80 (vs Virginia $14,580) |
| Federal Spending · Population | 91,419 people (vs Virginia 42,214) |
Sources: USAspending API
Other
| Pct Drove Alone | 75.4% |
|---|---|
| Pct Public Transit | 1.5% |
| Pct Walked | 10.0% |
| Retirement Score · Median age | 35.9 years (vs Virginia 37.8y) |
| Retirement Score · Ss Household Pct | 22.8% |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | VA nearby |
| Retirement Score · Rating | limited |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12