Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$456,909+0.9% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 27% have cut their price
Income needed to buy, per year$99,048About 0.9× the local median income ($107,892): affordable for a typical household
Days on market48 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.6%Zillow expects prices to rise slightly
The typical home in Spotsylvania County, VA is worth $456,909, up 0.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $412,735, so the area is 10.7% overvalued. It is a buyer's market: homes take about 48 days to sell, listings are up 15% from a year ago, 27% of listings have had a price cut. Zillow expects prices to rise about 0.6% over the next year. A household needs about $99,048 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $107,892. Typical rent is $2,070 a month, or $2,762 for a house. In the latest IRS figures, 1,730 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$456,909
Change in 1 year
+0.9%
Overvalued %
+10.7%
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Fair home value
$412,735
Change in 5 years
+21.1%
Zillow forecast, next 12 months
+0.6%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$2,476
Income needed to afford it
$99,048
Property tax rate
0.58%
Rent and investing
Typical rent
$2,070
Typical rent for houses
$2,762
Price-to-rent ratio
18.4×
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HUD Fair Market Rent, 2 bedrooms
$2,438
Gross rental yield
5.44%
Cap rate (estimate)
3.53%
Market activity
Listings vs a year ago
+15.2%
Days on market
48
Listings with a price cut
27.4%
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Homes for sale
477
Pending sales per 100 listings
33
Asking price per sq ft
$209
People and jobs
Median household income
$107,892
Population change (1 year)
+1.9%
Unemployment rate
5.1%
Show 4 more
Population
155,388
Income adjusted for cost of living
$99,074
Net moves in (IRS)
+1,730
Cost of living (US = 100)
108.9
Schools, risk and environment
School rating (1 to 10)
4.6
FEMA hazard risk score (0 to 100)
52.9
Flood risk score
65.3
Show 3 more
Wildfire risk score
17.4
Walkability (1 to 20)
6.3
Road, rail and air noise
55 dB
Questions people ask
Is Spotsylvania County, VA overvalued?
Home prices in Spotsylvania County, VA are well above what local incomes have historically supported: fair value is about $412,735, so the area is 10.7% overvalued.
Is Spotsylvania County, VA a buyer's or seller's market?
Spotsylvania County, VA is a buyer's market: homes take about 48 days to sell, listings are up 15% from a year ago, 27% of listings have had a price cut.
Are home prices going down in Spotsylvania County, VA?
Home values in Spotsylvania County, VA are up 0.9% over the last year. Zillow's forecast for the next 12 months is +0.6%.
How much do you need to earn to buy a home in Spotsylvania County, VA?
A household needs about $99,048 a year to afford the typical home in Spotsylvania County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $107,892.