Spotsylvania County, Virginia home prices
Typical home $456,909 · +0.9% in a year · property tax 0.58%
The typical home in Spotsylvania County is worth $456,909, 11% more than the Virginia typical home ($412,252). Values changed +0.9% in the past year and +21.1% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($2,648 on the typical home), versus 0.71% statewide.
Mortgage on the typical Spotsylvania County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $91,382 | $365,528 | $2,459 | $0 | $449 | $2,908 | $124,600 |
| 10% down | $45,691 | $411,219 | $2,766 | $171 | $449 | $3,387 | $145,100 |
| 5% down | $22,845 | $434,064 | $2,920 | $181 | $449 | $3,550 | $152,100 |
| 3.5% down (FHA) | $15,992 | $448,634 | $3,018 | $202 | $449 | $3,669 | $157,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Virginia · part of the Washington metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hanover County | $456,445 | +3.5% | 0.66% |
| Manassas Park City | $456,320 | +1.6% | 1.17% |
| Poquoson City | $460,122 | +1.8% | 0.92% |
| York County | $463,575 | +2.8% | 0.64% |
| New Kent County | $447,882 | +3.6% | 0.64% |
| Fredericksburg City | $467,891 | +1.7% | 0.6% |
| King George County | $476,101 | +2.8% | 0.53% |
| Manassas City | $481,776 | -0.6% | 1.09% |
| Charlottesville City | $483,274 | +0.5% | 0.8% |
| James City County | $484,205 | +1.8% | 0.65% |
Frequently asked questions
What is the average home price in Spotsylvania County, VA?
The typical home value in Spotsylvania County is $456,909 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Spotsylvania County?
About $124,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Spotsylvania County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).