HomeVirginiaSpotsylvania County
Spotsylvania County, Virginia: commercial real estate data.
Spotsylvania County, Virginia had an estimated 152,021 residents on July 1, 2024, up 8.5 percent since the 2020 census base of 140,095, across 401 square miles. 2,811 establishments operate here, and the SBA record carries 131 7(a) approvals worth $80.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spotsylvania County
How many people live in Spotsylvania County
- Population, American Community Survey 2020-2024146,603
- 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-equivalents, Puerto Rico included463rd of 3,222
Spotsylvania County is the 14th largest of 133 Virginia counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable 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's population growing?
- Population, July 1, 2024152,021
- Census 2020 base population140,095
- Population change since the 2020 census base8.51 percent
- Population change, 2023 to 20242,407
- 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 of 3,144
The county has grown 8.51 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Spotsylvania County
Where are people moving to Spotsylvania County from?
- Tax returns filed by households arriving5,829
- People arriving, from those returns11,324
- Tax returns filed by households leaving5,180
- Net household movement649
- Adjusted gross income arriving$449.0 m
- Net adjusted gross income movement$60.4 m
- Average income of an arriving household$77,033
- Average income of a leaving household$75,028
- Largest single originStafford County (940 households)
- Largest single destinationStafford County (584 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stafford County | 940 | 1,834 | $64.2 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 |
| Caroline County | 212 | 445 | $11.7 m |
| Orange County | 154 | 286 | $8.5 m |
| King George County | 89 | 154 | $4.8 m |
| Alexandria city | 83 | 166 | $6.6 m |
Households arriving report $2,005 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Stafford County, 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
Employment by industry in Spotsylvania County
- Covered employment, annual average37,842
- Establishments reporting3,570
- Average annual pay$52,962
- Average weekly wage$1,019
- Retail trade, employment7,342
- Retail trade, average annual pay$41,573
- Health care and social assistance, employment4,684
- Health care and social assistance, average annual pay$55,258
- Accommodation and food services, employment4,186
- Accommodation and food services, average annual pay$24,580
- Construction, employment2,299
- Construction, average annual pay$65,569
- Professional, scientific and technical services, employment1,969
- Administrative and support and waste management services, employment1,851
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 7,342 | 421 | $41,573 |
| Health care and social assistance | 4,684 | 874 | $55,258 |
| Accommodation and food services | 4,186 | 224 | $24,580 |
| Construction | 2,299 | 360 | $65,569 |
| Professional, scientific and technical services | 1,969 | 321 | $89,415 |
| Administrative and support and waste management services | 1,851 | 190 | $51,968 |
| Other services, except public administration | 1,800 | 337 | $42,971 |
| Transportation and warehousing | 1,546 | 78 | $58,868 |
Retail trade is the largest private sector at 7,342 jobs, 19.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Spotsylvania County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Spotsylvania County
Building permits in Spotsylvania County
- Housing units authorized by permit, 2024707
- Declared construction value permitted$258.5 m
- Single family units authorized707
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$365,562
- Units authorized per 1,000 households13.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Spotsylvania County
SBA loans in Spotsylvania County (7(a) and 504)
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$99.1 m
The average approval of $612,492 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in Spotsylvania County
Do SBA loans in Spotsylvania County get paid back?
- Loans with a final outcome recorded24
- Paid in full20
- Charged off4
- Status: Charged off4
- Status: Paid in full20
- Status: Exempt from disclosure82
- Status: Committed, not yet disbursed6
- Status: Cancelled19
Only 24 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spotsylvania County
SBA lending by place in Spotsylvania County
- Borrower cities with recorded lending8
- Fredericksburg, approvals103
- Spotsylvania, approvals19
- Mineral, approvals3
- Locust Grove, approvals2
- Reston, approvals1
- Partlow, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Fredericksburg | 103 | $70,853,800 |
| Spotsylvania | 19 | $3,154,000 |
| Mineral | 3 | $491,700 |
| Locust Grove | 2 | $4,487,000 |
| Reston | 1 | $500,000 |
| Partlow | 1 | $350,000 |
| Woodford | 1 | $350,000 |
| Spotsylvania Courthouse | 1 | $50,000 |
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 large 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.
Spotsylvania County
Flood risk in Spotsylvania County
- Participation of the county's own NFIP community Spotsylvania County, unincorporated areasParticipating, community 510308
- Communities in the county in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Spotsylvania County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Spotsylvania County (community 510308), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Spotsylvania County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-2024146,603
- 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?
The Census Bureau estimates 152,021 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 8.51 percent since the 2020 census base of 140,095, to 152,021 on July 1, 2024. 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 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 employment by industry in Spotsylvania County?
Retail trade is the largest private sector at 7,342 jobs, 19.4 percent of covered employment. Covered employment averages 37,842 jobs at an average annual pay of $52,962, or $1,019 a week. 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 totaling $80.2 m since FY2020, across 43 lenders, with a median approval of $250,000, plus 35 504 approvals worth $18.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Spotsylvania County?
707 housing units were authorized 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 Stafford County, with 940 households. Arriving households report an average income of $77,033 against $75,028 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Spotsylvania County
Cities and places in Spotsylvania.
2 Census places lie wholly or partly in Spotsylvania County. All 2 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Spotsylvania Courthouse | CDP | 7,180 | 1 | Wholly in this county |
| Lake Wilderness | CDP | 3,139 | None recorded | Wholly in this county |
A further 130 of the county's 131 SBA 7(a) approvals are to borrowers in cities that match no Census place in Spotsylvania County, the largest being Fredericksburg (103), Spotsylvania (19), Mineral (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby