Spotsylvania, Virginia.
Typical home $437,538 (+0.9% in a year), asking rent $1,919 (+8.9%). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$982 (+75%) since Jan 2020.
- 1 year
- Up $3,987 +1%
- $433,551$437,538 since Sep 2025
- 5 years
- Up $50,165 +13%
- $387,373$437,538 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Spotsylvania$2,297
- Virginia$2,164
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 28 years.
Typical home values in Spotsylvania, VA rose 0.9% over the past year — slower than the nation's +1.2%.
Asking rents in Spotsylvania, VA rose 8.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Spotsylvania runs $1,058/mo more than renting one. The gap peaked at $1,388 in May 2024.
That is $2,976 a month against $1,919 rent: a $2,297 mortgage payment, plus $211 property tax and $468 insurance & upkeep.
Owning vs renting — Spotsylvania
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,976
- Renting$1,919
- Mortgage only$2,297
Property tax · $211/mo 0.58% of value a year — the ACS 2020-2024 median bill over the median home value for Spotsylvania County, VA
Insurance & upkeep · $468/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Spotsylvania, Spotsylvania County, Virginia
The Census does not count Spotsylvania on its own, so the figures here are Spotsylvania County's. Half the county's households earn more than $112,738 a year and half less; 7% of the county's people live below the poverty line. 80% of the county's homes are lived in by their owners and 20% are rented. Unemployment in Spotsylvania County was 3.5% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most people in Spotsylvania County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Spotsylvania County sits in north-central Virginia, close to the city of Fredericksburg. Winters are cold, with the coldest weather in January, while summers are hot, peaking in July. Snowfall is modest, and rain and melted snow are plentiful through the year. The typical resident is in middle age, and most homes are lived in by their owners.
Work. Few households across the county fall below the poverty line, and unemployment has stayed low and steady over the past year. Jobs grew slightly in the most recent year. Many residents work in schools, hospitals and social care, professional and business services, government, or retail. Some people work from home, while others travel to jobs elsewhere.
Things to do. Kings Dominion is an amusement park a longer drive away, and Lake Anna State Park is a protected area in the same direction. The Fredericksburg and Spotsylvania National Military Park is an archaeological site, also a longer drive away. The National Museum of the Marine Corps is a museum, likewise a longer drive away.
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- 52,481households
- 38.6median age
- 35%of adults have a degree
- 7%below the poverty line
- 38 mintypical commute
- 16%work from home
What people in Spotsylvania County work in
Employed residents by industry, from the Census survey. Spotsylvania County had 38,037 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 25°; warmest in July, with highs near 88° and lows near 68°. About 11 inches of snow and 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fredericksburg Sewage weather station, 13 miles away (NOAA).
Largest workplaces in Spotsylvania County
- Spotsylvania County Public SchoolsSchool district3,721FTE
- County of SpotsylvaniaSolid waste landfills, nonhazardous1,383
- Rappahannock Electric CooperativeDistribution of electric power749
- CVS Pharmacy, Inc.General warehousing and storage526
- WalmartWarehouse clubs and supercenters479
- Spotsylvania Regional Medical CenterGeneral hospital435FTE
- Fredericksburg, VA - Kaeser CompressorsIndustrial machinery and equipment merchant wholesalers358
- Costco WholesaleWholesale grocer295
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 81 workplaces with 20 or more staff, 9,330 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Spotsylvania County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Spotsylvania County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
Spotsylvania home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Spotsylvania$437,538
- Virginia$412,252
- United States$366,157
Sellers are cutting prices on about 1 in 3 Spotsylvania listings, and the typical home goes pending in 34 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Spotsylvania38.41%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Spotsylvania34
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Spotsylvania161
New listings per month
Sellers arriving at the market.
- Spotsylvania41
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Spotsylvania$449,584
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Spotsylvania99.62%
Zip codes with a Spotsylvania address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Spotsylvania — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Spotsylvania
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 22551 | Spotsylvania | 24,146 | — | $454,932 |
| 22553 | Spotsylvania | 17,207 | $1,868 | $442,074 |