Spotsylvania County, Virginia Property Taxes
Property Taxes in Spotsylvania County, Virginia
Median Spotsylvania County effective property tax rate: 0.73%, significantly lower than the national median of 1.02%.
Median Spotsylvania County home value: $345,900
Median annual Spotsylvania County tax bill: $2,533, $133 lower than the national median property tax bill of $2,400.
How are property taxes in Spotsylvania County calculated?
Property taxes in Spotsylvania County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Spotsylvania County or another part of Spotsylvania County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Spotsylvania County, Virginia Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.73%
Estimate Property Tax Bill
$2,525
$2,343
How Does the Spotsylvania County Property Tax Calculator Work?
Use this Spotsylvania County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Spotsylvania County's median effective tax rate of 0.73% to generate your estimate.
Enter your property's estimated assessed value — the figure the assessment office assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Spotsylvania County's median tax rate is lower than Virginia's 0.90% median rate, but the county's median property tax bill of $2,533 is $133 higher than the state median bill and above the $2,400 national median bill.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Spotsylvania County.
Property Tax Rates Across Spotsylvania County, Virginia
What Are Effective Property Tax Rates Across Spotsylvania County?
Local government entities set tax rates, which vary widely across Spotsylvania County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Spotsylvania County's effective property tax rate to other counties in Virginia or the U.S. median of 1.02%.
Spotsylvania County's median effective rate stands at 0.73%, which is lower than the national median of 1.02%. Within Spotsylvania County, the highest rate is found in Ruther Glen at 0.73%, while Unionville has the lowest at 0.73%.
These variations reflect differences in local school district levies, special assessment districts assessments, and special district bonds — which compound the base county rate.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Spotsylvania County Tax Rate
0.73%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Spotsylvania County, Virginia
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Beaverdam | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Bumpass | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Fredericksburg | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Locust Grove | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Mineral | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Orange | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Partlow | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Ruther Glen | 0.73% | 0.73% | 0.73% | 0.73% | 0.95% |
| Spotsylvania | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Unionville | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Woodford | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
Source: Ownwell
Property Tax Assessment Values Across Spotsylvania County, Virginia
When examining property taxes in Spotsylvania County, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Spotsylvania County assessment office estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Spotsylvania County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of February.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Spotsylvania County.
For example, the median tax bill in Spotsylvania County is $2,533, with tax bills ranging significantly across the county. Unionville has the highest median home price at $901,000.
Property Tax Assessment Values Across Spotsylvania County, Virginia
Source: Ownwell
$158,200
$529,600
$901,000
Median Spotsylvania County Market Value
$345,900
Median Virginia Market Value
$323,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Spotsylvania County, Virginia
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Beaverdam | $65,740 | $108,000 | $208,200 | $297,400 | $377,440 |
| Bumpass | $95,100 | $237,675 | $465,850 | $769,950 | $1,082,550 |
| Fredericksburg | $234,700 | $291,600 | $361,800 | $454,875 | $548,500 |
| Locust Grove | $140,360 | $204,550 | $248,050 | $292,475 | $393,420 |
| Mineral | $127,660 | $292,500 | $477,350 | $726,450 | $1,026,730 |
| Orange | $46,500 | $238,300 | $417,500 | $744,850 | $1,072,500 |
| Partlow | $97,550 | $163,600 | $240,000 | $341,800 | $470,750 |
| Ruther Glen | $114,620 | $127,600 | $158,200 | $327,800 | $364,160 |
| Spotsylvania | $4,300 | $162,200 | $306,400 | $465,400 | $659,600 |
| Unionville | $176,080 | $301,600 | $901,000 | $1,108,400 | $1,243,440 |
| Woodford | $106,300 | $148,750 | $223,400 | $358,350 | $525,180 |
Source: Ownwell
Property Tax Bills Across Spotsylvania County, Virginia
Property tax bills in Spotsylvania are based on the assessed market value of a home and the local tax rate set by the county and other taxing authorities. When a property’s assessed value rises, the tax bill can increase even if the homeowner has not made any changes to the home. For a county with a median home price of $345,900, that assessment plays a major role in determining what a homeowner owes each year.
The amount due can vary widely across the county. The 25th percentile tax bill is $1,859, while the 75th percentile reaches $3,380 and the 90th percentile climbs to $4,390. Some areas see much higher bills, with Unionville at $6,616, while Ruther Glen has a much lower median bill of $1,192. For homeowners, this means property taxes can be a significant recurring cost, and changes in market value or local tax rates can have a direct effect on household budgets.
Median Spotsylvania County Tax Bill
$2,533
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$2,400
Property Tax Bills Across Spotsylvania County, Virginia
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Beaverdam | $460 | $748 | $1,509 | $2,181 | $2,783 |
| Bumpass | $693 | $1,725 | $3,417 | $5,584 | $7,951 |
| Fredericksburg | $1,672 | $2,121 | $2,649 | $3,334 | $4,017 |
| Locust Grove | $802 | $1,506 | $1,835 | $2,200 | $3,069 |
| Mineral | $916 | $2,149 | $3,507 | $5,316 | $7,548 |
| Orange | $312 | $1,714 | $2,982 | $5,403 | $7,816 |
| Partlow | $583 | $1,127 | $1,761 | $2,535 | $3,591 |
| Ruther Glen | $842 | $937 | $1,192 | $2,407 | $2,674 |
| Spotsylvania | $30 | $1,110 | $2,240 | $3,414 | $4,838 |
| Unionville | $1,355 | $2,215 | $6,616 | $8,139 | $9,131 |
| Woodford | $578 | $1,092 | $1,647 | $2,624 | $3,763 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 30 |
Links | |
|---|---|
| Spotsylvania Tax Assessor | |
| Website | apps.spotsylvaniacountyva.gov |