Average mortgage payment in Spotsylvania County, VA (2026)
The average mortgage payment in Spotsylvania County on a median-priced home (~$395,000) is roughly $3,056/month — assuming 10% down at a 6.85% 30-year fixed rate and Virginia's 0.82% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $130,987. County population is roughly 140,032.
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How Spotsylvania County compares to Virginia
The typical home in Spotsylvania County is right at the statewide median of $395,000 in Virginia. Property tax is set at the state's effective rate of 0.82% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Spotsylvania County?+
On a median Spotsylvania County home (~$395,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $3,056/month, including ~$270 in property tax.
What income do I need to buy a home in Spotsylvania County?+
Using the 28% front-end DTI rule, you'd need roughly $130,987 in annual gross household income to comfortably carry the median Spotsylvania County home.
How does Spotsylvania County compare to the rest of Virginia?+
Spotsylvania County's median home ($395,000) is in line with the Virginia median of $395,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.