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County in Virginia

Spotsylvania County, Virginia

Spotsylvania County is a county in Virginia with 146,603 residents, No. 14 of 133 by population. In Spotsylvania County, the FHA loan limit for a one-unit home is $1,249,125, and a typical home is worth $404,900. To rent a 2-bedroom apartment at Fair Market Rent ($2,438 a month) without going over 30% of your income, you need to earn about $46.88 an hour.

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  • Typical home price

    $404,900

    +6% vs. Virginia +22% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Spotsylvania
    • Virginia
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

  • Fair market rent, 2 bedrooms

    $2,438 a month

    +36% vs. Virginia +39% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Spotsylvania
    • Virginia
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $1,249,125

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • Spotsylvania
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.58% of value per year

    −21% vs. Virginia −38% vs. U.S.

    $2,347 a year for the typical owner

    • Spotsylvania
    • Virginia
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$456,909
0.9% more than 12 months ago
Typical rent
$2,070 a month
3.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Data from October 2026

In short

What is housing like in Spotsylvania County today?

With an FHA loan and the minimum down payment, a typical home would cost about $3,237 a month: 34% of the typical household income here. For that payment to be 28% of income, a household would need to earn about $138,718 a year; the typical income here is $112,738. 80% of households own their home, more than in Virginia (67%). The typical property tax is $2,347 a year (about 0.58% of home value), lower than in Virginia. This is a high-cost area for FHA: the limit is above the national floor.

52% of renter households spend 30% or more of their income on housing.

Sources: U.S. Census Bureau (Average 2020–2024); HUD (2026 data).

Only here

What sets Spotsylvania County apart

  1. Among the neighboring counties, Orange County has the lowest typical rent ($1,205), 32% below the $1,779 in Spotsylvania County.

  2. Nearby, in Caroline County, the typical home value is $307,700: 24% less than in Spotsylvania County ($404,900).

  3. From 2020 to 2025, home prices in Spotsylvania County rose 51% on FHFA's index, about the same as in Virginia (49%).

  4. Spotsylvania County has the 12th highest typical rent of the 133 counties in Virginia ($1,779).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Spotsylvania County

What homes there are in Spotsylvania County, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Spotsylvania County, 8 in 10 homes are single-family detached houses; in Virginia, 6.

Year built

Here half of the homes date from 1997 or later; in Virginia, from 1984 or later.

There is more room for a big family here: 82% of homes have 3 bedrooms or more, against 67% in Virginia.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for this county is high ($1,249,125): at least 97% of owner-occupied homes in Spotsylvania County are worth less than $1,000,000.

Monthly rent with utilities

With a mortgage

$2,082 a month

Virginia: $2,127 a month

Without a mortgage

$558 a month

Virginia: $589 a month

Owners with a mortgage

76%

Virginia: 67%

In Spotsylvania County, 76% of owners have a mortgage; their typical cost is $2,082 a month, about the same as in Virginia.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Virginia, the typical home value in Spotsylvania County rose 43% since 2015–2019.

Rents in Spotsylvania County rose more slowly than in Virginia: 20% since 2015–2019, against 28%.

While home values in Spotsylvania County changed +43% and rent +20%, the typical household income rose 27%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSpotsylvania CountyVirginiaUnited States
Rental vacancy 7.1%4.8%5.5%
Homeowner vacancy Unreliable estimate0.8%0.9%
More than one person per room 1.8%2.1%3.4%
People per household 2.792.522.53
Drive alone 69%68%69%
Carpool 11%8%9%
Public transit 2%2%3%
Walk or bike Unreliable estimate2%3%
Work from home 16%18%15%
Other means 1%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes

In Spotsylvania County, the rental vacancy rate is 7.1%; in Virginia, 4.8%.

More than one person per room: that is how 1.8% of households in Spotsylvania County live, near the figure in Virginia (2.1%).

More people live in each home here: 2.79 on average, against 2.52 in Virginia.

The car rules in Spotsylvania County: 69% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month in Spotsylvania County?

A typical home is tight for the typical income

We start with a typical home of $404,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income here, which is $112,738 a year. For that payment to be 28% of income, a household would need to earn about $138,718 a year.

Your numbers

Local data
$

Starts at the typical home value in Spotsylvania County. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,172 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,237

at 7.18% · 30 years

Loan amount
$397,566
Total interest
$572,004
Paid off in
November 2056

Includes $6,838 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,631 a month

  • Tight

    $2,631 to $3,382 a month

    Your payment · 34%

  • Hard

    more than $3,382 a month

Compared with the typical household income in Spotsylvania County ($112,738 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,237
Principal & interest$2,693
Property tax$196
Home insurance$169
FHA mortgage insurance (MIP)$179

You need at least $14,172 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

Buying a home

Buying a home in Spotsylvania County

Here you'll see how prices have changed, how Spotsylvania County compares with Virginia and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Spotsylvania County rose 83% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here Virginia United States
In 2025 +1.1% +3.7% +2.9%
5 years (2020–2025) +51% +49% +47%
10 years (2015–2025) +83% +75% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Spotsylvania County compared with Virginia and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Spotsylvania $404,900
  • Virginia $383,700
  • United States $332,700
Typical rent a month
  • Spotsylvania $1,779
  • Virginia $1,579
  • United States $1,413
Typical household income a year
  • Spotsylvania $112,738
  • Virginia $93,170
  • United States $80,734
See the full table
Spotsylvania compared with Virginia and the United States
MeasureHereVirginiaU.S.
Residents146,6038,705,170334,922,499
Typical home value$404,900$383,700$332,700
Typical household income$112,738$93,170$80,734
Typical rent$1,779$1,579$1,413
Fair Market Rent (2 bedrooms)$2,438$1,792$1,750
Hourly wage to rent a 2-bedroom$46.88$34.46$33.65
Typical property tax$2,347$2,790$3,119
Effective tax rate0.58%0.73%0.94%
Households that own their home80%67%65%
Renters spending 30% or more on rent52%49%51%
FHA limit (1 unit)*$1,249,125$541,287$541,287

FHA limit: Virginia shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Spotsylvania County

For a typical $404,900 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $3,237 $14,172 $397,566 7.18% FHA MIP · $179 $26,319 580
Conventional, 5% down $3,163 $20,245 $384,655 7.18% PMI · $192 $32,392 620*
Conventional, 20% down, no PMI $2,559 $80,980 $323,920 7.18% None $93,127 620*
ITIN, 15% down (example) $2,933 $60,735 $344,165 8.18% None $72,882 Set by the lender
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

Everything about buying in Spotsylvania County: income, limits and help How much house can I afford? Closing costs

Loan limits

This is a high-cost area, so FHA limits in Spotsylvania County are above the national floor. The limit is set for the whole metro area (Washington-Arlington-Alexandria, DC-Va-MD-WV). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($1,249,125 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $1,249,125 $1,249,125
2 units $1,599,375 $1,599,375
3 units $1,933,200 $1,933,200
4 units $2,402,625 $2,402,625

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Spotsylvania County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Spotsylvania County, the typical owner pays $2,347 a year: about 0.58% of the home's value. That is less than the rest of Virginia and less than the national average.

  • Spotsylvania 0.58%
  • Virginia 0.73%
  • United States 0.94%

What Virginia publishes Local exemption or deferral for people 65 and older or with disabilities (Virginia General Assembly (Code of Virginia))

Exemptions and deadlines in Virginia

Is there a flood risk?

FEMA’s maps count no homes in high-risk flood zones in Spotsylvania County. That does not mean there is no risk: some areas have no map. Check your address.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Spotsylvania County

The natural hazards FEMA measures in Spotsylvania County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

According to FEMA, the natural hazard risk in Spotsylvania County is relatively low.

To rate it, FEMA weighs the expected loss with social vulnerability and community resilience.

In all, FEMA estimates natural hazards cause about $25.3 million in losses a year in Spotsylvania County, across buildings, people and crops.

The hazard that would do the most damage to homes and buildings here is inland flooding: about $15.8 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively low $15.8 million a year
  2. EarthquakeRelatively low $1.5 million a year
  3. HurricaneRelatively low $972,644 a year
  4. TornadoRelatively low $928,256 a year
  5. Winter weatherRelatively low $15,466 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

The home energy code (IECC) puts Spotsylvania County in zone 4A: mixed and humid.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Summer

    • Keep indoor humidity below 60 % (ideally between 30 % and 50 %). A humidity meter is inexpensive and sold at hardware stores. EPA
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$36.50$21.49 and $58.45
Plumbers, pipefitters and steamfitters$34.55$22.83 and $55.00
Heating, air conditioning and refrigeration mechanics$34.58$22.56 and $50.57
Roofers$28.05$22.70 and $38.27
Carpenters$29.23$22.67 and $43.56
Painters, construction and maintenance$24.31$20.00 and $35.60
Maintenance and repair workers, general$27.52$18.22 and $38.71

According to BLS, an electrician earns about $36.50 an hour in the Washington-Arlington-Alexandria, DC-VA-MD-WV area; a plumber, about $34.55.

These are workers' hourly wages, not the price of a job.

Need help paying for a repair?

Renting

Renting in Spotsylvania County

The typical rent in Spotsylvania County is $1,779 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

52% of renter households in Spotsylvania County spend 30% or more of their income on housing. 25% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Spotsylvania County

Programs and counseling in Spotsylvania County

We didn't find HUD-approved agencies with an office in this county. These are the 6 nearest; many serve by phone or online.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

Three generations of a family gather on the porch of their home.

HUD counseling is free or low-cost

Virginia down payment programs

  1. Down Payment Assistance Grant

    Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage

    First-time buyers only. Run by Virginia Housing (Virginia Housing Development Authority).

    Grant Verified November 5, 2026

  2. Virginia Housing Plus Second Mortgage

    Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before

    No first-time requirement. Run by Virginia Housing (Virginia Housing Development Authority).

    Type not stated Verified November 5, 2026

  3. Closing Cost Assistance Grant

    Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan

    First-time buyers only. Run by Virginia Housing (Virginia Housing Development Authority).

    Grant Verified November 5, 2026

Which programs do I qualify for? See all Virginia programs

Help in Spanish in Spotsylvania County

1 of the 6 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Public housing agencies

HUD lists no public housing authority based in Spotsylvania County. The authority of a nearby county or the state may serve this area.

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These are the nearest agencies, with the distance in miles. Many help by phone or online. Official HUD list. Confirm hours and fees with the agency before you go.

  • Prince William County Virginia Cooperative Extension

    15941 Donald Curtis Dr, Woodbridge · 35 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (703) 792-4713

  • Skyline Community Action Partnership, Inc.

    532 S Main St, Madison · 35 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (540) 948-3916

  • Skyline Community Action Program, Incorporated

    532 S Main St, Madison · 35 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (540) 948-3916
See every agency in Virginia

Places

Cities in Spotsylvania County

This site has no city pages of Spotsylvania County. The neighboring counties are below.

See all 1 cities of Spotsylvania County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Spotsylvania County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Spotsylvania County in 2026?

Spotsylvania County has an FHA limit of $1,249,125 for a one-unit home. For 2 units it's $1,599,375, for 3 it's $1,933,200 and for 4 it's $2,402,625. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in Spotsylvania County?

Spotsylvania County has a conforming limit of $1,249,125 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Spotsylvania County?

The typical home value in Spotsylvania County is $404,900 (Average 2020–2024, U.S. Census). Across Virginia it's $383,700.

How much does it cost to rent in Spotsylvania County?

Spotsylvania County has a typical rent of $1,779 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $2,438 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Spotsylvania County?

About $46.88 an hour working full time (2,080 hours a year), or $97,520 a year, so the fair market rent of $2,438 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).