Spotsylvania County, VA: Foreclosures, Tax Liens & Distressed Properties

Spotsylvania County, VA, Virginia: 13 ZIP codes scored, Spotsylvania County, VA averaging 17/100 (low, Spotsylvania, VA), from 9 to 21. Spotsylvania County, VA is in its peak phase (Spotsylvania, VA confidence 23/100): Spotsylvania, VA home prices up 3.4% (Spotsylvania, VA) over twelve months. Spotsylvania County, VA lender headwind: 47/100.

Highest-scoring Spotsylvania County, VA ZIPs: 23015 (21/100), 22407 (20/100), 22534 (20/100), 22551 (20/100), 22553 (20/100), 22408 (18/100). Also scored in Spotsylvania County, VA: 22508, 22567, 22960, 23024, 23117, 22580, 22546.

Across Spotsylvania County, VA's scored ZIPs: median home value $375,377, household income $105,032, 8.8% vacancy, 8.1% poverty, 83% owner-occupied, median age 40.4.

Spotsylvania County, VA insurance distress 22/100 (#2,144 in the US); FEMA hazard 0/100 for Spotsylvania, VA; 3 federal disaster declarations in Spotsylvania County, VA since 2023; 5 Spotsylvania, VA NFIP flood claims, $24K paid; Spotsylvania, VA construction distress 61/100.

12 banks with 22 branches lend in Spotsylvania County, VA; Spotsylvania, VA weighted bank stress 57/100, highest 87/100 in Spotsylvania, VA.

Spotsylvania County, VA unemployment 3.5% (Spotsylvania, VA -0.5 pts, six months); 630 new housing units permitted in Spotsylvania County, VA over twelve months, Spotsylvania, VA down 11% from 704; Spotsylvania, VA home prices +10.0% a year (Spotsylvania, VA) over three years.

55,427 housing units in Spotsylvania County, VA; 10,439 Spotsylvania, VA renter households; 49% of Spotsylvania, VA renters spend 30%+ of income on rent, 24% (Spotsylvania, VA) half or more.

Spotsylvania County, VA ranks #2,888 nationally on the opportunity index (Spotsylvania, VA, among all ranked counties); Spotsylvania, VA scores 23.9/100 and Spotsylvania, VA sits #99 inside Virginia. Spotsylvania, VA is in the weak opportunity phase; Spotsylvania, VA's primary driver is construction, Spotsylvania, VA second driver bank institutional; Spotsylvania, VA moved up 187 places. 24 short-sale listings across Spotsylvania, VA; 94 days on market observed in Spotsylvania, VA; 4.5% vacancy over 13 Spotsylvania, VA ZIPs.

1.1% of Spotsylvania County, VA mortgages were ninety-plus days late in December 2025; Spotsylvania, VA's thirty-to-eighty-nine-day share was 2.7% (CFPB county sample). Spotsylvania, VA's ninety-day rate is up 0.4 points on twelve months earlier; the Spotsylvania, VA peak since 2008 was 6.3% in January 2010; Virginia overall reads 0.8%.

Spotsylvania County, VA has 5 watched banks; 5 Spotsylvania, VA banks sit in an elevated band. Spotsylvania, VA footprints: Atlantic Union Bank (4 branches, stress 40) in Spotsylvania, VA; Burke&Herbert Bank&Trust Co (2 branches, stress 62) in Spotsylvania, VA; Carter Bank&Trust (2 branches, stress 35) in Spotsylvania, VA.

HUD lists 15 assisted multifamily properties in Spotsylvania County, VA with 2,098 units; 51 Spotsylvania, VA units are assisted.

2,946 of the 55,427 housing units in Spotsylvania, VA sit vacant. Spotsylvania County, VA permitted 0 multifamily units in twelve months; Spotsylvania, VA's one-to-four unit structures added 630 units in Spotsylvania County, VA.