Spotsylvania, VA—22551
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Spotsylvania, VA
As of Oct '25, the median home price in Spotsylvania, VA is $444,000, with a year-over-year change of 1.2%. This indicates that home prices in Spotsylvania, VA are increasing. According to Zillow, the 1-year price projection is -0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $444,000 | 1.2% |
| Single Family | $445,000 | 1.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $296,000 | -1.3% |
3 Bed | $386,000 | 0.0% |
4 Bed | $590,000 | 2.3% |
| 5 Bed | $843,000 | 3.4% |
% of Housing Stock
Rental Trends — Spotsylvania, VA
As of July '25, Rentcast reports the average rent in Spotsylvania, VA is $2,840, with a year-over-year rent change of -2.1%. Per bedroom, the median rent as of July '25 in Spotsylvania, VA is 1-bedrooms: $1,350, 3-bedrooms: $2,460, 4-bedrooms: $3,600. The most common rental property sizes in Spotsylvania, VA are 3-bedroom and 2-bedroom, accounting for 48.8% and 30.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,500 | $2,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,350 | $1,350 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,500 | $2,460 |
| 4 Bed Rent | $3,500 | $3,600 |
% of Rental Stock
Property Listings — Spotsylvania, VA
As of Oct '25, Realtor.com reports that the median days on market for a home in Spotsylvania, VA is 41. This is a decrease of -12.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 14.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $700,000 | -2.0% |
Listing Count | 117 | 12.0% |
| Listings as % of Homes | 0.9% | 12.0% |
Days on Market | 41 | -12.0% |
Demographics — Spotsylvania, VA
As of the latest ACS Survey released in 2023, Spotsylvania, VA has a population of 23,400, which has increased by 21.6% over the past 5 years. Spotsylvania, VA is a moderately popular place for families, as children make up 24.4% of the population. The area has a moderately educated workforce, with 28.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 23,400 | 21.6% |
% Under 18 | 24.4% | 12.4% |
% Seniors | 18.1% | 10.4% |
% WFH | 14.5% | 281.6% |
% w/ College Degree | 28.6% | 11.3% |
As of the latest ACS Survey released in 2023, Spotsylvania, VA is a predominantly white area, with 75.8% of the population identifying as white. The white population has shrunk by 2.7% in the last 5 years. The second most common race or ethnicity in Spotsylvania, VA is black, making up 10.4% of the population. Foreign-born residents account for 5.8% of the population in Spotsylvania, VA, and this percentage has increased by 45.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 75.8% | -2.7% |
% Black | 10.4% | -16.8% |
% Hispanic | 7.8% | 21.9% |
% Asian | 2.0% | 185.7% |
% Foreign Born | 5.8% | 45.0% |
Mortgage and Risk — Spotsylvania, VA
According to HUD data as of 2023, there were 714 mortgage originations in Spotsylvania, VA, of which 58.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 39.0% above 90% LTV (very high). This implies large mortgage risk in Spotsylvania, VA. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 714 |
% Conventional Loans | 58.0% |
% Government Loans | 42.0% |
% Investor Loans | 1.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Spotsylvania, VA
Spotsylvania, VA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 40 |
Total Units Section 8 | 40 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | 88.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $40 | $1,350 | $1,390 |
| 2 Bedroom | N/A | N/A | $1,570 |
| 3 Bedroom | -$540 | $2,500 | $1,960 |
| 4 Bedroom | -$1,180 | $3,500 | $2,320 |
Affordability — Spotsylvania, VA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $444,000 |
| Median Household Income | $106,000 |