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Spotsylvania Courthouse CDP, VA

ZIP 22551 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 22551

Median Home Value
$372,600
Median Rent
$1,109
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,393/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 22551 in Spotsylvania Courthouse CDP, VA, a household would need roughly $103,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,393. That is roughly in line with the local median household income ($106,497). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
10.6%-29% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
5.2%-24% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$372,600
Home Value
$1,109
Rent
1997
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.8%
  • 1-unit attached2.9%
  • 2-9 units1.9%
  • 10+ units3.1%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$372,600
Median rent$1,109
Owner-occupied87.5%
Vacant6.8%
Price-to-income3.5x
Est. income to buy$103,000