Spotsylvania County, Virginia has a 2026 one-unit conforming loan limit of $1,249,125, which is 3.1 times the county's median home value of $404,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $112,738 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $404,900 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.09× |
| Median household income | $112,738 |
| Median home value ÷ income | 3.6× |
| Population | 146,603 |
| Median property tax paid (owners) | $2,347 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 80.1% |
| Home value rank in Virginia | 23 of 133 counties |
| Neighbor: Caroline County, VA | limit $832,750; median home $307,700 |
| Neighbor: Culpeper County, VA | limit $1,249,125; median home $409,200 |
| Neighbor: Hanover County, VA | limit $832,750; median home $400,400 |
| Neighbor: Louisa County, VA | limit $832,750; median home $315,300 |
| Neighbor: Orange County, VA | limit $832,750; median home $364,200 |
| Neighbor: Stafford County, VA | limit $1,249,125; median home $485,100 |
| Neighbor: Fredericksburg City, VA | limit $1,249,125; median home $483,700 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Spotsylvania County's median home value is 6% above the state median of $383,700 (rank 23 of 133). Among its 7 neighboring counties, Stafford County has the highest median home value ($485,100) and Caroline County the lowest ($307,700); 4 neighbor(s) have a different loan limit. Owners pay a median $2,347 a year in property tax, an effective rate of about 0.58% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: St. Clair County, AL
- 2026 conforming loan limit: St. Clair County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.