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Central & Eastern Virginia House Buyer Guide | Hampton Roads, Greater Richmond, Middle Peninsula & Northern Neck

Updated: 4 days ago


Adam with a former client who purchased a home, shot in front of his new home
Adam with a former client who purchased a home, shot in front of his new home

I wanted to share a list of over 100 articles I've created pertinent to the real estate (i.e. house) buying process, categorized in typical sequential order. While most elements are pertinent throughout the United States, some elements are geared specifically toward East & Central VA (Hampton Roads [including the Virginia Peninsula & Southside], Greater Richmond, Middle Peninsula, & Northern Neck) where I'm a real estate agent.


Before I get into the articles, here are some comparative charts separated by region covering flood risk, home values, median income, & population density.

Regions of Central & Eastern VA (Regions Ordered Approximately SE-NW)

South Side of Hampton Roads (Also known as Tidewater, the Virginia Beach Metro & HRVA)

Eastern South Side:

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Portsmouth

Very High

Exceptionally High

~$260k

~$58k

~3,000

Norfolk

High

Exceptionally High

~$315k

~$63k

~4,450

Virginia Beach

Moderate

Very High

~$427k

~$91k

~1,860

Chesapeake

Moderate

High

~$405k

~$104k

~760

Western South Side

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Suffolk

Lower

Lower

~$390k

~$101k

~290

Isle of Wight County

Lower

Lower

~$420k

~$88k

~110

Southampton County

Lower

Lower

~$255k

~$63k

~33

Surry County

Lower

Lower

~$340k

~$74k

~38

Franklin

Moderate

Moderate

~$250k

~$52k

~1,250

Emporia

Lower

Lower

~$215k

~$46k

~1,150

Greensville County

Lower

Lower

~$255k

~$59k

~42

Virginia Peninsula of Hampton Roads

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Poquoson

Extreme

Extreme

~$515k

~$122k

~700

Hampton

Very High

Exceptionally High

~$290k

~$67k

~2,650

York County

Moderate

High

~$465k

~$116k

~690

Newport News

Moderate

Moderate

~$300k

~$69k

~2,750

James City County

Exceptionally Low

Exceptionally Low

~$510k

~$108k

~290

Williamsburg

Exceptionally Low

Exceptionally Low

~$455k

~$78k

~1,850

Middle Peninsula of Virginia

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Gloucester County

High

High

~$395k

~$92k

~170

Mathews County

Exceptionally High

Exceptionally High

~$430k

~$83k

~110

Middlesex County

Moderate

High

~$455k

~$78k

~100

King & Queen County

Moderate

Moderate

~$315k

~$71k

~36

Essex County

Moderate

Moderate

~$335k

~$64k

~88

King William County

Moderate

Moderate

~$410k

~$96k

~120



Eastern Shore of Virginia


Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Accomack County

Very High

Very High

~$325k

~$58k

~70

Northampton County

High

High

~$395k

~$63k

~42

Emporia (city)


Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Emporia

Lower

Lower

~$215k

~$46k

~1,150

Greensville County

Lower

Lower

~$255k

~$59k

~42


Greater Richmond (Also known as RVA, the Richmond Metro, & more comprehensively Central Virginia)

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Richmond (city)

Lower

Lower

~$385k

~$62k

~3,800

Charles City County

Lower

Lower

~$345k

~$77k

~38

New Kent County

Moderate

High

~$455k

~$108k

~82

Henrico County

Exceptionally Low

Exceptionally Low

~$415k

~$88k

~1,350

Hanover County

Exceptionally Low

Exceptionally Low

~$495k

~$109k

~145

Powhatan County

Exceptionally Low

Exceptionally Low

~$525k

~$118k

~95

Goochland County

Exceptionally Low

Exceptionally Low

~$610k

~$129k

~52

Petersburg

Lower

Moderate

~$245k

~$53k

~1,050

Prince George County

Exceptionally Low

Exceptionally Low

~$355k

~$92k

~120

Dinwiddie County

Exceptionally Low

Lower

~$315k

~$78k

~78

Hopewell

Lower

Lower

~$235k

~$57k

~1,050

Colonial Heights

Moderate

Moderate

~$295k

~$71k

~2,200

Chesterfield County

Lower

Lower

~$445k

~$93k

~720

Northern Neck of Virginia

Area

Flood Risk Now*

Flood Risk in 30 Years*

Typical Home Value**

Median Household Income***

Population Density (per sq mi)***

Lancaster County

Moderate

High

~$445k

~$74k

~115

Northumberland County

Moderate

Very High

~$435k

~$71k

~82

Westmoreland County

Moderate

High

~$365k

~$69k

~98

Richmond County

Lower

Moderate

~$295k

~$59k

~73

King George County

Exceptionally Low

Exceptionally Low

~$485k

~$112k

~170

Note on Flood Exposure Categories & Data Sources

Flood Values:

Category

Approximate Relative Exposure

Extreme

90%+

Exceptionally High

70%–89.9%

Very High

50%–69.9%

High

30%–49.9%

Moderate

15%–29.9%

Lower

10%–14.9%

Exceptionally Low

Under 10%

* Flood-exposure categories based on comparative analysis of First Street™ climate-risk modeling of the % of properties with at least a 1% annual chance of flooding. Public-facing tables use relative exposure categories rather than full proprietary datasets.


Adam’s clients can ask him about property-search templates he has created that help reduce the volume of homes in flood-prone areas and hurricane evacuation zones.


In higher-risk areas, Adam’s buyer process with his clients often includes reviewing property-level First Street data in addition to FEMA flood zones. Some properties in FEMA Zone X (lowest FEMA flood-risk category) have still experienced flooding, even in the past 30 years, making property-level analysis & use of paid tools like First Street, important in certain regions.


** Typical home values based on Zillow Home Value Index (ZHVI).


*** Income and density data derived from U.S. Census Bureau ACS estimates.


Data accessed in May 2026.

Hampton Roads
South Side
Virginia Beach (Furthest East)
Chesapeake



Norfolk



Portsmouth



Suffolk



Isle of Wight County



Southampton County



Franklin



Surry County



Virginia Peninsula





Hampton



Poquoson



Newport News



York County



James City County



Williamsburg



Middle Peninsula





Gloucester County



Mathews County



Middlesex County



King & Queen County



Essex County



King William County



Eastern Shore





Northampton County



Accomack County



Emporia (city)





Greensville County



Greater Richmond





Richmond (city)





Charles City County



New Kent County



Henrico County



Hanover County



Powhatan County



Goochland County



Petersburg (city)





Sussex County



Prince George County



Dinwiddie County



Hopewell



Colonial Heights



Dinwiddie County



Chesterfield County



Northern Neck





Lancaster County



Northumberland County
Richmond County
Westmoreland County
King George County
Image courtesy Google & Randy Majors

Prior to Your Decision to Purchase


Finances:


Find Out Which MLS You Need Access to

What is MLS?

The Multiple Listing Service (MLS) is the main way that buyers get a feed of properties from their agent. There are many MLS around the country, including 6 in SE VA alone. I recommend that you not pick an agent who has at least 95% MLS coverage in the area where you're searching. If you need more than 1 buyer's agent to accomplish that task, such as if you have a very large coverage area, it's better to do that than to go without.


Why is the MLS Your Agent Has Access to So Important?

  1. The top reason why the MLS your agent has access to is important is in creating your search(es), especially in areas like Hampton Roads where there are both issues with flood zones (that public websites haven't quite gotten the hang of yet, despite some attempts that don't make the cut) and extensive phantom property availability on certain public websites like Zillow. An MLS feed has many search features that aren't possible with public websites like Zillow. A targeted search can be created on MLS that isn't possible on public websites. When you add search templates to the equation that agents can spend dozens of hours on (like I have), the gap between MLS feeds and public websites gets even further. Some buyers who are unaware of the power of MLS & the importance of getting access to the local version will unknowingly sign up with a buyer's agent, then be bewildered about why their buyer's agent's MLS feed is missing so many listings that fit their criteria in the area that they see online. Which agent you use plays big into how well they are able to use MLS, even if they have all the local MLS in the area. Many don't do very good searches in my opinion.

  2. It's not uncommon in SE VA for an agent to put a home in the MLS that isn't primary to that city or county without putting it in the primary MLS there, so working with an agent with access to multiple MLS in a case like SE VA can make a lot of sense in certain parts of SE VA. For instance, there are many homes sold in James City County & Williamsburg where it's only put on 1 MLS, despite the fact that there isn't a single MLS that had >50% MLS coverage out of the 5 MLS I checked, which included all of the main MLS that make up the area. High end listings aren't immune either. I've seen listings in the 2.5 million range in SE VA where the only MLS used doesn't have even 15% of the MLS market share of the county. The sellers likely had no idea what was going on regarding how they were being short changed by their listing agent's willingness to list in their area on the wrong MLS.

  3. The MLS your agent has access to can help you find out whether or not they're familiar with the local contracts & a number of pieces of potential paperwork pertinent to a contract. For instance, an agent that only has access to REIN MLS out of Hampton Roads trying to make an offer in Richmond likely won't be very familiar with the VAR contracts that are typical of Richmond. If they attempt to use a contract common to Hampton Roads, the listing agent may persuade the seller to wait around for another offer from a buyer that submits a contract that the agent is already familiar with. If they don't do that, they both get extra work added to their job and add on a significant liability if they encourage the seller to accept that offer. Before I switched to using VAR contracts in VAR territory, I had a situation where I had a multiple offer scenario, but the seller accepted the other buyer's contract instead of my buyer's contract while admitting that my contract with my buyer appeared better. After that scenario, I took a 6 hr class to gain familiarity. Those unwilling to spend a lot of time on a new contract type will indeed face significant liability, and I've seen where my familiarity with VAR contracts since then even helped out my seller when a buyer's agent was unfamiliar with them and tried to use it like a REIN contract.


Where to Find Out the MLS You Need in VA

I provide an article on the subject linked above, based on data I pulled. Keep in mind that most of the data is only considering 5 MLS, 5 of the primary 6 of SE VA, while the counties where the 6th MLS is primary (N>50) & some other areas that border MLS I don't have direct access to are generated via actives on Zillow:


Where to Find Out the MLS You Need Outside VA

For areas outside of VA & some nearby areas that I haven't mapped, there typically isn't a great way to find out which MLS are important because agents typically haven't collected the data that I have on MLS across multiple MLS. If that's unavailable in your area, go onto Zillow and check to see what MLS are on properties. The more properties you check, the more accurate your data will get, though I wouldn't suggest checking more than 100 properties, & 50 is typically sufficient if available. Zillow will show multiple MLS when applicable, so don't just rely on an MLS in the picture of the home without actually clicking on the home, since multiple MLS won't show in that view.


Related:

Decide on a Lender & Consider Programs to Reduce Home Cost

While some buyers purchase in $, that's not an option for all, and even those that can afford it don't always opt for it. Also, just because you don't "need" a program to reduce home cost, doesn't mean that you shouldn't consider them for additional potential savings. Generally speaking, the lower your income, the greater the options will be, but even millionaires in unique circumstances have options at times.


Choosing a Lender:


Programs to Reduce Home Cost:


More:

Specific Types of Purchasers

Pet Owners, farmers, homesteaders, horse lovers, & chicken keepers

Here's a map including dog parks, pet boarding, pet grooming, supplies, vets, & more.


Toggle the category options in the top left of the map.


Here's another map of VA horses, chickens, & livestock:

Post Closing


Finances


Renting


Repairs:


Life:


Sellers: 1. How Remaining in a Home You've Purchased Can Help Your Net Worth More than Bouncing to Another Home (typically)

2. What Adam Offers Sellers

3. What to Look for in a Listing Agent for Your Home or Other Real Estate

4. We Buy Houses Offers: "Patterns of Parasitic Purchasing Per Drexel.Edu Report"

5. Heavily Discounted Commission Listing Agents: How to Find Them & Why To Skip Them


Utilities


Weather Related:


See also "Specific Types of Purchasers" in a section near the beginning of the guide.

Related:


About the Author: Adam Garrett - 3rd Generation REALTOR®

Adam is the 3rd generation in a line of award-winning real estate agents serving SE VA. He has served full time at Garrett Realty Partners since May 2014 when he joined the marketing department before transitioning to full-time sales to assist buyers and sellers in February 2015. He believes that an educated buyer or seller makes the best decisions, & is dedicated to helping with that both digitally & on-site physically for buyers & sellers. He's also available for referrals to real estate agents around the globe. In several capacities, his resources & direct offerings for assisting sellers & assisting buyers are either unmatched or are top 1% for the SE VA area, and in some cases, nationwide. Not stopping after closing, he also provides information for tenants, landlords, & homeowners.


Related for Buyers:


Related for Sellers:


Contact Adam


While Adam can refer buyers and sellers elsewhere, Adam’s direct coverage includes most of SE VA including Hampton Roads (VA Peninsula, Southside, & Middle Peninsula), the Northern Neck, & Greater Richmond.


Adam's Coverage Map with Adam's 5 Multiple Listing Services highlighted in orange & areas without good MLS coverage excluded:

Amelia County,

Charles City County,

Chesapeake,

Chesterfield County,

Colonial Heights,

Dinwiddie County, 

Essex County,

Franklin,

Gloucester County,

Goochland County,

Hampton,

Hanover County,

Henrico County,

Hopewell,

Isle of Wight County, 

James City County,

King William County,

King & Queen County,

Lancaster County,

Mathews County,

Middlesex County,

New Kent County,

Newport News,

Northumberland County,

Nottoway County,

Petersburg

Poquoson,

Portsmouth,

Powhatan County,

Prince George County,

Richmond (City of),

Richmond County,

Southampton County,

Suffolk, 

Surry County, 

Sussex County,

Virginia Beach, 

Williamsburg, 

York County,


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