Virginia · County property tax · ACS 2024
Spotsylvania County Property Taxes
The median homeowner in Spotsylvania County pays $2,347 a year, an effective rate of 0.58%, notably higher than the U.S. average.
- $2,347
- Median tax / yr · Above-median bill
- 0.58%
- Effective rate · Below-median rate
- +18%
- vs U.S. average
- #76 of 133
- rank in VA
The verdict
Homeowners in Spotsylvania County pay a median $2,347 a year in property tax, an effective rate of 0.58%, more affordable than 74% of U.S. counties (Census ACS 2024).
- $2,347
- Median annual tax bill, 2024
- 0.58%
- Effective rate on median home
- #816 of 3135
- U.S. counties by tax burden
- +18%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($404,900). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Virginia. Population: 146,603. Owner-occupied homes: 42,045.
The median annual property tax in Spotsylvania County is $2,347, which is 16% lower than the Virginia state average and 18% above the national average. The effective tax rate is 0.58% on a median home value of $404,900. Property taxes represent 2.1% of the median household income in this county.
Spotsylvania County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Spotsylvania County's 0.58% effective rate sits near the middle of 3,135 tracked counties (more affordable than 74%).
Decision signal 2
The bill is near the usual comparison points
Homeowners in Spotsylvania County pay a median annual property tax of $2,347, notably higher than the national median and notably lower than the Virginia state median. On a $404,900 median home, that works out to an effective rate of 0.58% once the local assessment base and millage are combined.
Decision signal 3
Income and the tax bill sit in the middle band
Property taxes in Spotsylvania County run within the commonly cited 2%-4% national benchmark, at about 2.1% of the $112,738 median household income.
Decision signal 4
Near the middle of Virginia counties by effective rate
Spotsylvania County ranks #76 of 133 counties in Virginia by effective rate (43% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Spotsylvania County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
A falling rate took the edge off
Spotsylvania County's effective rate fell 13.5% across the 4-year span while its median home value rose 40.0%, leaving the median bill 21.1% higher at $2,347. That rate move is larger than the one in 57% of counties, so a good deal of the market's rise never reached the bill.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $1,938 to $2,347, a gain of 21%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 12,950 of 42,045 owner-occupied homes (30.8%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
The most forgiving PAIRING in the data, top-quartile household income with a bottom-quartile effective rate, puts the median bill at 2.1% of median household income. Home values still drive the dollar figure, which is why the ratio above varies widely among counties that share this position.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Spotsylvania County Homeowners Actually Pay
The single largest group of Spotsylvania County homeowners, 12,950 of 42,045 owner-occupied homes (30.8%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 9.1% (3,842)
- $800 to $1,499 14.3% (6,018)
- $1,500 to $1,999 15.4% (6,459)
- $2,000 to $2,999 26.1% (10,987)
- $3,000 or more 30.8% (12,950)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,789 homes here (4.3%) report no real estate tax at all. Exemptions are set by state: how Virginia handles assessments and appeals.
With vs Without Mortgage
Mortgaged and non-mortgaged homeowners in Spotsylvania County pay about the same bill, a 6% gap.
Spotsylvania County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Spotsylvania County's effective rate is higher than 43% of the 133 counties in Virginia - ranking #76 of 133.
Where Spotsylvania County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.58% Among the most affordable more affordable than 74% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Below Virginia on both measures
Spotsylvania County's effective rate runs 21% under the Virginia median and its bill 16% under. Both sitting on the same side means the gap is not a valuation artefact: a county can post a low rate purely because its homes are expensive, but then the bill rises to meet the state. Here it does not, so the $2,347 median bill reflects a genuinely lighter charge than the Virginia norm rather than a different denominator. Compare it against the state page before reading anything into the county rank.
Spotsylvania County vs Benchmarks
| Metric | Spotsylvania County | Virginia Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Below-median rate | |||
| Median Home Value | |||
| Tax as % of income Below-median income burden | 2.1% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Spotsylvania County is QUIET · MID on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · Virginia counties.
Spotsylvania County rate trail · QUIET
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $2,347 +3.7% | 0.58% |
| 2023 | $2,263 +3.4% | 0.60% |
| 2022 | $2,189 +8.7% | 0.63% |
| 2021 | $2,014 +3.9% | 0.65% |
| 2020 | $1,938 | 0.67% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Spotsylvania County: tax-to-income at 2.1%
Counties near Spotsylvania County's effective rate
On effective rate, Spotsylvania County sits nearest Sullivan County (TN), Carroll County (TN), Deschutes County (OR).
On published median-tax change, the nearest matches are Kanawha County (WV), Waller County (TX), Coffee County (AL).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Spotsylvania County: only 12% of returns show Schedule A real-estate tax
Tax year 2022: 8,690 of 71,460 returns from Spotsylvania County reported real estate taxes, averaging $3,367 - 44% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Virginia
Spotsylvania County rate FAQs
- What is the tax affordability score for Spotsylvania County?
- Spotsylvania County, Virginia scores C (58/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is rate relief at B (0.58%). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- What is the average property tax in Spotsylvania County, Virginia?
- The median annual property tax in Spotsylvania County is $2,347, an effective rate of 0.58% on a $404,900 median home (Census ACS, 2024).
- How does Spotsylvania County property tax compare to the national average?
- Property taxes in Spotsylvania County run notably higher than the national median of $1,993, an effective rate of 0.58% versus 0.92% nationally.
- What percentage of income goes to property taxes in Spotsylvania County?
- Property taxes in Spotsylvania County run within the commonly cited 2%-4% national benchmark, at about 2.1% of the $112,738 median household income.
- Are property taxes increasing in Spotsylvania County?
- The ACS median property-tax bill for Spotsylvania County jumped 21.1% between the 2020 and 2024 5-year releases, from $1,938 to $2,347, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
What to do with Spotsylvania County's QUIET rate
At Spotsylvania County's 0.58% effective rate, a $404,900 home implies about $2,347/yr - plug in your own assessed value rather than quoting the county median. Estimate your bill →
Spotsylvania County ranks #76 of 133 Virginia counties by effective rate - on the lower-burden half of the state ACS set. Virginia overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Spotsylvania County's QUIET effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.58%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $2,347/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Spotsylvania County
Nearest ABS(median_tax) ACS peers for Spotsylvania County (QUIET · MID), replacing the old fixed Keep exploring strip.
QUIET MID
Muskegon County, MI
ABS(median_tax) peer · $2,348/yr (near-tied bill ABS $1); rate 1.18% vs Spotsylvania County 0.58%.
Newton County, GA
ABS(median_tax) peer · $2,348/yr (near-tied bill ABS $1); rate 0.89% vs Spotsylvania County 0.58%.
Saline County, KS
ABS(median_tax) peer · $2,345/yr (near-tied bill ABS $2); rate 1.31% vs Spotsylvania County 0.58%.
Clear Creek County, CO
ABS(median_tax) peer · $2,350/yr (near-tied bill ABS $3); rate 0.39% vs Spotsylvania County 0.58%.
Virginia county set
State ACS overview for every published Virginia county rate and median bill.
Assessment cycle basics
Spotsylvania County stamps QUIET · MID - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Spotsylvania County (QUIET · MID) - ACS medians, not a parcel bill.