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City · 7,180 residents · Spotsylvania County, Virginia

Spotsylvania Courthouse , Virginia

In Spotsylvania Courthouse, a typical home is worth $395,700 and typical rent is $1,398 a month. Compared with all of Spotsylvania County, typical rent is 21% lower, typical household income is 15% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $395,700

    2% below the county

    3% above Virginia

    • Spotsylvania Courthouse
    • Spotsylvania
    • Virginia

  • Typical rent

    $1,398a month

    21% below the county

    11% below Virginia

    • Spotsylvania Courthouse
    • Spotsylvania
    • Virginia

  • Typical household income

    $95,331a year

    15% below the county

    2% above Virginia

    • Spotsylvania Courthouse
    • Spotsylvania
    • Virginia

  • Households that own their home

    70%

    10 points below the county

    2 points above Virginia

    • Spotsylvania Courthouse
    • Spotsylvania
    • Virginia

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

Spotsylvania Courthouse is in Spotsylvania County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Spotsylvania County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Spotsylvania Courthouse apart

What this place has that others do not, from public data, most unusual first.

  1. Spotsylvania Courthouse has the 5th largest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (69%).

  2. The typical rent in Spotsylvania Courthouse is $1,398 a month, 21% less than in Spotsylvania County as a whole ($1,779).

  3. The typical household income in Spotsylvania Courthouse is $95,331, 15% less than in Spotsylvania County as a whole ($112,738).

  4. 70% of households in Spotsylvania Courthouse own their home, against 80% in Spotsylvania County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Spotsylvania Courthouse

What homes there are in Spotsylvania Courthouse, 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 Courthouse, 6 in 10 homes are single-family detached houses; in Spotsylvania County, 8.

Year built

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
Monthly rent with utilities

With a mortgage

$2,003 a month

Spotsylvania County: $2,082 a month

Without a mortgage

$501 a month

Spotsylvania County: $558 a month

Owners with a mortgage

80%

Spotsylvania County: 76%

In Spotsylvania Courthouse, 80% of owners have a mortgage; their typical cost is $2,003 a month, about the same as in Spotsylvania County.

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

Since 2015–2019, homes in Spotsylvania Courthouse gained value faster than in Spotsylvania County: 59% against 43%.

Since 2015–2019, the typical rent in Spotsylvania Courthouse did not change clearly, according to the Census.

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 CourthouseSpotsylvania CountyVirginiaUnited States
Rental vacancy Unreliable estimate7.1%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.8%2.1%3.4%
People per household 2.902.792.522.53
Drive alone 68%69%68%69%
Carpool Unreliable estimate11%8%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 17%16%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Spotsylvania Courthouse look like those in Spotsylvania County: 2.90 people on average.

In Spotsylvania Courthouse, 68% of workers drive alone to work; in Spotsylvania County, 69%.

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 for a home in Spotsylvania Courthouse?

A typical home costs more than the typical income allows

We start with a typical home in Spotsylvania Courthouse, worth $395,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Spotsylvania Courthouse, which is $95,331 a year. For that payment to be 28% of income, a household would need to earn about $135,283 a year.

The calculator's FHA and conventional loan limits are those of all of Spotsylvania County.

Your numbers

Local data
$

Starts at the typical home value in Spotsylvania Courthouse. 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 $13,850 (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

$3,157

at 7.18% · 30 years

Loan amount
$388,532
Total interest
$559,007
Paid off in
November 2056

Includes $6,682 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,224 a month

  • Tight

    $2,224 to $2,860 a month

  • Hard

    more than $2,860 a month

    Your payment · 40%

Compared with the typical household income in Spotsylvania Courthouse ($95,331 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,157
Principal & interest$2,632
Property tax$185
Home insurance$165
FHA mortgage insurance (MIP)$175

You need at least $13,850 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.

The city and its county

Spotsylvania Courthouse and Spotsylvania County

Spotsylvania Courthouse is in Spotsylvania County, Virginia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Spotsylvania Courthouse's own numbers

Typical home value
$395,700
Typical monthly rent
$1,398
Typical yearly household income
$95,331
Households that own their home
70%
Effective property tax rate
0.56%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Spotsylvania County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+51%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Spotsylvania County.

Everything about Spotsylvania County

Buying

Buying a home in Spotsylvania Courthouse

A typical home in Spotsylvania Courthouse is worth $395,700: 2% below the county and 3% above Virginia. With the typical household income in Spotsylvania Courthouse ($95,331 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Spotsylvania Courthouse 4.2 years
  • Spotsylvania 3.6 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Spotsylvania County

According to FHFA’s house price index, home prices in Spotsylvania County rose 83% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Spotsylvania County.

Period County Virginia U.S.
Last year (2025) +1.1% +3.7% +2.9%
5 years (2020–2025) +51% +49% +47%
10 years (2015–2025) +83% +75% +85%

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

Spotsylvania Courthouse next to Spotsylvania County, Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Spotsylvania Courthouse $395,700
  • Spotsylvania $404,900
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Spotsylvania Courthouse $1,398
  • Spotsylvania $1,779
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Spotsylvania Courthouse $95,331
  • Spotsylvania $112,738
  • Virginia $93,170
  • United States $80,734
See the full table
Spotsylvania Courthouse next to Spotsylvania County and Virginia
Measure Spotsylvania Courthouse Spotsylvania County Virginia U.S.
Typical home value $395,700 $404,900 $383,700 $332,700
Typical monthly rent $1,398 $1,779 $1,579 $1,413
Typical yearly household income $95,331 $112,738 $93,170 $80,734
Households that own their home 70% 80% 67% 65%
Typical yearly property tax $2,235 $2,347 $2,790 $3,119
Effective property tax rate 0.56% 0.58% 0.73% 0.94%
Renters with high rent for their income 69% 52% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Spotsylvania County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Spotsylvania Courthouse

For a typical $395,700 home in Spotsylvania Courthouse, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spotsylvania Courthouse's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,157a month

    Least cash to close
    Down payment
    $13,850
    Cash to close
    $25,721
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $175

  • Conventional, 5% down $3,084a month

    Down payment
    $19,785
    Cash to close
    $31,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $188

  • Conventional, 20% down, no PMI $2,494a month

    Down payment
    $79,140
    Cash to close
    $91,011
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,860a month

    Down payment
    $59,355
    Cash to close
    $71,226
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Spotsylvania Courthouse and for Spotsylvania County.

Property tax

Effective rate in Spotsylvania Courthouse

0.56%of the home’s value each year

$2,235 a year for the typical owner in Spotsylvania Courthouse.

  • Spotsylvania Courthouse 0.56%
  • Spotsylvania 0.58%
  • Virginia 0.73%

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

Flood risk in Spotsylvania County

FEMA does not publish these numbers by city: they are for all of Spotsylvania County.

FEMA’s maps count no homes in the high-risk zone in Spotsylvania County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Spotsylvania Courthouse

Typical rent in Spotsylvania Courthouse is $1,398 a month: 21% below the county. In Spotsylvania Courthouse, 69% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Spotsylvania County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Spotsylvania County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
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

By ZIP code

Fair market rent by ZIP code in Spotsylvania Courthouse

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spotsylvania Courthouse has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,680 in 22551 to $2,240 in 22553.

None is above the fair market rent for Spotsylvania County ($2,438).

  • 22551 $1,680$2,140
  • 22553 $2,240$2,850

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Spotsylvania Courthouse when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Spotsylvania Courthouse

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Spotsylvania County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Spotsylvania Courthouse

No down payment, repair or rent-help program on our list is for Spotsylvania Courthouse or Spotsylvania County. The ones below are statewide in Virginia: they work in Spotsylvania Courthouse the same as in the rest of the state.

Which programs do I qualify for? All programs in Virginia

  • Down Payment Assistance Grant

    Statewide in Virginia

    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. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

  • Virginia Housing Plus Second Mortgage

    Statewide in Virginia

    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. Offered by Virginia Housing (Virginia Housing Development Authority).

    Type not stated

    See the program Official page

  • Closing Cost Assistance Grant

    Statewide in Virginia

    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. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

Housing counselors near Spotsylvania Courthouse

The HUD-approved agencies closest to the center of Spotsylvania Courthouse, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Prince William County Virginia Cooperative Extension

    15941 Donald Curtis Dr, Woodbridge · 33 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

  • Centro de Apoyo Familiar (CAF)-Va

    13923 Minnieville Rd, Woodbridge · 34 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 4 more
    (703) 372-5440

  • First Home Alliance

    3138 Golansky Blvd Ste 202, Woodbridge · 35 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (703) 580-8838

All counseling agencies in Virginia

Help in Spanish near Spotsylvania Courthouse

1 of the 3 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.

Housing authorities of Spotsylvania Courthouse

HUD lists no housing authority with an office in Spotsylvania County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Virginia Source: HUD

Cities

Nearby cities

The cities closest to Spotsylvania Courthouse, with the typical home value.

Everything about Spotsylvania County Housing in Virginia

Neighboring counties

If Spotsylvania County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Spotsylvania Courthouse.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Spotsylvania Courthouse

Short answers with the numbers for Spotsylvania Courthouse and all of Spotsylvania County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Spotsylvania Courthouse?

The typical home value in Spotsylvania Courthouse is $395,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Spotsylvania County it is $404,900.

How much does it cost to rent in Spotsylvania Courthouse?

Typical rent in Spotsylvania Courthouse is $1,398 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Spotsylvania County is $2,438.

What is the FHA loan limit in Spotsylvania Courthouse?

Spotsylvania Courthouse uses the FHA limit for all of Spotsylvania County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Spotsylvania Courthouse?

The typical homeowner in Spotsylvania Courthouse pays $2,235 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in Spotsylvania County, the rate is 0.58%.

Where can I find free help to buy or rent in Spotsylvania Courthouse?

We found no HUD-approved counseling agencies with an office in Spotsylvania County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).