HomeVirginiaSpotsylvania County
Spotsylvania County, Virginia: commercial real estate data.
Spotsylvania County, Virginia has a population of 146,603 across 401 square miles, up 8.5 percent since the 2020 census base. 2,811 establishments operate here, and the SBA record carries 131 7(a) approvals worth $80.2 m.
116 sourced county values · tier FULL · 10 sections
Spotsylvania County
How many people live in Spotsylvania County
- Population146,603
- Households52,481
- Average household size2.79
- Median household income$112,738
- Median age38.6
- Median gross rent$1,779 per month
- Median owner-occupied home value$404,900
- Home value to household income3.6 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher35.0 percent
- Adults 25 and over with a graduate degree13.7 percent
- Adults 25 and over98,752
- Population under 1835,744
- Share under 1824.4 percent
- Population 65 and over22,222
- Share 65 and over15.2 percent
- Working age population, 18 to 6488,637
- Civilian labor force77,252
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over69.7 percent
- Rank by population among Virginia counties14th of 133
- Rank by population among US county-equivalents463rd
Spotsylvania County is the 14th largest of 133 Virginia counties by population. A median home costs 3.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 15.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Spotsylvania County
Is Spotsylvania County growing
- Population change since the 2020 census base8.51 percent
- Census 2020 base population140,095
- Births, 20241,583
- Deaths, 20241,123
- Natural change, 2024460
- Net domestic migration, 20241,403
- Net international migration, 2024549
- Total net migration, 20241,952
- Cumulative net domestic migration, 2021 to 20248,608
- Rank by growth among US county-equivalents208th
The county has grown 8.51 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Spotsylvania County
Where people moving to Spotsylvania County come from
- Tax returns filed by households arriving5,829
- People arriving, from those returns11,324
- Adjusted gross income arriving$449.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$77,033
- Largest single originSpotsylvania County Non-migrants (52,292 households)
- Largest single destination (52,292 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Spotsylvania County Non-migrants | 52,292 | 110,592 | $4.87 bn |
| Other flows - Different State | 1,405 | 2,681 | $104.8 m |
| Stafford County | 940 | 1,834 | $64.2 m |
| Other flows - South | 700 | 1,306 | $47.7 m |
| Prince William County | 687 | 1,462 | $52.0 m |
| Fredericksburg city | 590 | 1,110 | $37.4 m |
| Fairfax County | 370 | 747 | $38.8 m |
| Other flows - Same State | 325 | 599 | $19.5 m |
The largest single source of arrivals is Spotsylvania County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Spotsylvania County
Who employs people in Spotsylvania County
- Covered employment, annual average37,842
- Establishments reporting3,570
- Average annual pay$52,962
- Average weekly wage$1,019
- Sector 44-45, employment7,342
- Sector 44-45, average annual pay$41,573
- Sector 62, employment4,684
- Sector 62, average annual pay$55,258
- Sector 72, employment4,186
- Sector 72, average annual pay$24,580
- Sector 23, employment2,299
- Sector 23, average annual pay$65,569
- Sector 54, employment1,969
- Sector 56, employment1,851
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 7,342 | 421 | $41,573 |
| Sector 62 | 4,684 | 874 | $55,258 |
| Sector 72 | 4,186 | 224 | $24,580 |
| Sector 23 | 2,299 | 360 | $65,569 |
| Sector 54 | 1,969 | 321 | $89,415 |
| Sector 56 | 1,851 | 190 | $51,968 |
| Sector 81 | 1,800 | 337 | $42,971 |
| Sector 48-49 | 1,546 | 78 | $58,868 |
The largest sector is the biggest private employer group at 7,342 jobs, 19.4 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Spotsylvania County
What businesses operate in Spotsylvania County
- Establishments, all industries2,811
- Employment at those establishments34,160
- Annual payroll$1.64 bn
- Establishments per 1,000 residents19.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Spotsylvania County
What is being built in Spotsylvania County
- Housing units authorised by permit, 2024707
- Declared construction value permitted$258.5 m
- Single family units authorised707
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$365,562
- Units authorised per 1,000 households13.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Spotsylvania County
How much SBA lending happens in Spotsylvania County
- 7(a) approvals recorded131
- 7(a) gross approval dollars$80.2 m
- Average 7(a) approval$612,492
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,539,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,654
- Jobs per approval12.6
- Distinct 7(a) lenders active43
- Distinct industries receiving approvals80
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.6 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter114
- Franchise loans29
- Franchise share of approvals22.1 percent
- Leading industry by approval countLandscaping Services (5)
- Most active lenderThe Huntington National Bank (15)
- 504 approvals recorded35
- 504 gross approval dollars$18.9 m
- Average 504 approval$540,057
- Median 504 approval$380,000
- Distinct CDCs active2
- 504 jobs per approval6.8
- 504 jobs per million dollars approved12.5
- Most active CDCRappahannock Economic Development Corporation (26)
- 7(a) share of SBA approvals78.9 percent
- Combined SBA approval dollars$99.1 m
The average approval of $612,492 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 7.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Spotsylvania County
Do SBA loans in Spotsylvania County get paid back
- Loans with a final outcome recorded24
- Paid in full20
- Charged off4
- Charge off rate on resolved loans16.7 percent
- Status: Charged off4
- Status: Paid in full20
- Status: Exempt from disclosure82
- Status: Committed, not yet disbursed6
- Status: Cancelled19
Of the 24 loans that have reached a final outcome, 16.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spotsylvania County
Which parts of Spotsylvania County get the lending
- Places in the county with recorded lending8
- FREDERICKSBURG, approvals103
- Spotsylvania, approvals19
- MINERAL, approvals3
- Locust Grove, approvals2
- WOODFORD, approvals1
- SPOTSYLVANIA COURTHOUSE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FREDERICKSBURG | 103 | $70,853,800 |
| Spotsylvania | 19 | $3,154,000 |
| MINERAL | 3 | $491,700 |
| Locust Grove | 2 | $4,487,000 |
| WOODFORD | 1 | $350,000 |
| SPOTSYLVANIA COURTHOUSE | 1 | $50,000 |
| Reston | 1 | $500,000 |
| Partlow | 1 | $350,000 |
FREDERICKSBURG accounts for 103 approvals against 19 in Spotsylvania. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spotsylvania County
How big is Spotsylvania County
- Land area401 sq mi
- Rank by land area among Virginia counties45th of 133
- Width, east to west31.8 mi
- Height, north to south26 mi
- Geographies sharing a boundary7
- Residents per square mile of land366
- Establishments per square mile7.01
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Spotsylvania County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Spotsylvania County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population146,603
- Households52,481
- Average household size2.79
- Median household income$112,738
- Median age38.6
Common questions
Spotsylvania County questions, answered from the record.
How many people live in Spotsylvania County, Virginia?
146,603, in 52,481 households, ranking 14th of 133 Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Spotsylvania County growing?
The population has grown 8.51 percent since the 2020 census base. In 2024 there were 1,583 births against 1,123 deaths, with net migration of 1,952. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Spotsylvania County?
$112,738. The median owner-occupied home is valued at $404,900, which is 3.6 times income, and median gross rent is $1,779 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Spotsylvania County?
2,811 establishments, employing 34,160 people with an annual payroll of $1.64 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Spotsylvania County?
Average annual pay is $52,962, or $1,019 a week, across 37,842 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Spotsylvania County?
131 7(a) approvals totalling $80.2 m since FY2020, across 43 lenders, with a median approval of $250,000, plus 35 504 approvals worth $18.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Spotsylvania County get paid back?
Of the 24 loans that have reached a final outcome, 20 were paid in full and 4 charged off, a charge off rate of 16.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Spotsylvania County?
707 housing units were authorised by permit in 2024, with a declared construction value of $258.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Spotsylvania County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Spotsylvania County come from?
The largest single origin is Spotsylvania County Non-migrants, with 52,292 households. Arriving households report an average income of $77,033 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Spotsylvania County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Spotsylvania County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.