Spotsylvania County, Virginia: What It Costs to Buy a Home
The median home in Spotsylvania County is worth $375,000, property taxes on it run about $2,263 a year (0.6%), the FHA loan limit is $1,249,125, and closing on it means about $1,250 in transfer tax plus $1,738 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $375,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,263 a year, 0.6% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Transfer tax on the median home | $1,250 | Virginia transfer tax page → |
| Title insurance on the median home | $1,488 owner's + $250 lender's | Title insurance page → |
| Closing costs from these items | $2,988 | Closing costs page → |
| Area median income (HUD, family of 4) | $166,100; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Spotsylvania County?
The median owner-occupied home in Spotsylvania County is valued at $375,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Spotsylvania County?
The median Spotsylvania County homeowner pays $2,263 a year in real estate taxes, about 0.6% of the median home value ($2,304 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Spotsylvania County?
$1,249,125 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $1,249,125, per FHFA.
What does it cost to close on a home in Spotsylvania County?
On the $375,000 median home: transfer tax $1,250, title insurance $1,738 for both policies, about $2,988 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Spotsylvania County?
HUD's FY 2026 median family income for Spotsylvania County (Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area) is $166,100. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Virginia counties
- Shenandoah County $265,800
- Smyth County $125,800
- Southampton County $208,800
- Stafford County $458,800
- Staunton city $239,300
- Suffolk city $329,600
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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