The median home in Spotsylvania, Virginia is valued at $419,354, up 0.8% year over year. Typical monthly rent is $1,917, producing a price-to-rent ratio of 18.2x — near the national average of 18x. Spotsylvania is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Washington-Arlington-Alexandria, DC-VA-MD-WV stress score, crash risk, and 12-month forecast →

Home Value$419,354

+0.8%

Rent$1,917/mo

AFFORDABILITY

Enter your income for Spotsylvania.

Income (annual)

Down Payment

$83,871 on $419,354

Out of reach — 40.6% of income

Need $108,857/yr to afford.

PITI$2,540

P/I40.6%

Afford$289K

Gap-$130K

P&I $2,120Tax $287Ins $133

Renting $623/mo cheaper ($1,917 rent)6.50% 30yr, 20% down, county tax + VA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Virginia

Compare Spotsylvania with other housing markets across Virginia.

Great Falls$1629K McLean$1425K Waterford$1278K Dunn Loring$1188K Upperville$1141K Vienna$1132K Middleburg$1114K Aldie$1081K

Full Washington-Arlington-Alexandria, DC-VA-MD-WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

View Washington-Arlington-Alexandria, DC-VA-MD-WV metro →

SPOTSYLVANIA, VA