Market Overview
Home Prices in Spotsylvania, VA
The median home value in Spotsylvania, VA is $440,788 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spotsylvania are priced8% above average. Spotsylvania is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Spotsylvania home values have risen by approximately11.3%, reflecting steady appreciation in this market.
Price History
Spotsylvania Home Price Trend
City Comparison
Spotsylvania vs. National Median
At $440,788, homes in Spotsylvania cost 8% above the national median of $410,000. Buyers in Spotsylvania should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Spotsylvania?
20% Down Payment
$88,158
on $440,788
Monthly P&I
$2,299/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,920/mo
incl. taxes & insurance
Income Needed
$116,800
gross annual (30% rule)
10% Down Option
$44,079
+ PMI applies
Loan Amount (20% dn)
$352,630
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Spotsylvania, VA?
The median home value in Spotsylvania is $440,788 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Spotsylvania?
Over the past year, home values in Spotsylvania have increased by 1.1%. Over five years, prices have risen approximately 11.3%.
How much do I need to earn to buy a home in Spotsylvania?
To comfortably afford the median home price of $440,788 with a 20% down payment ($88,158) at today's rates (6.8%), you'd need a gross annual income of approximately $116,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Spotsylvania compare to the national average home price?
The national median home value is approximately $410,000. At $440,788, homes in Spotsylvania are 8% above the national average.
What metro area is Spotsylvania part of?
Spotsylvania is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.