Spotsylvania County, VA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.18, -77.66.
Assembled 2026-10-07. Read the brief.
- 91st pct · 273rd of 3,063 US counties · median $234,566
- 81st pct · 25th of 133 Virginia counties · median $307,999
- 18th pct · 19th of 23 counties in the Washington-Arlington-Alexandria metro · median $568,558
- 29th pct · 2,175th of 3,063 US counties · median +2.9%
- 13th pct · 115th of 133 Virginia counties · median +2.9%
- 40th pct · 14th of 23 counties in the Washington-Arlington-Alexandria metro · median +1.4%
- 85th pct · 208th of 1,399 US counties · median $1,496
- 70th pct · 24th of 79 Virginia counties · median $1,757
- 28th pct · 16th of 22 counties in the Washington-Arlington-Alexandria metro · median $2,260
- 80th pct · 626th of 3,221 US counties · median 8,232
- 83rd pct · 23rd of 133 Virginia counties · median 9,944
- 50th pct · 12th of 23 counties in the Washington-Arlington-Alexandria metro · median 38,075
- 52nd pct · 1,540th of 3,221 US counties · median $1,039
- 50th pct · 67th of 133 Virginia counties · median $1,048
- 4th pct · 22nd of 23 counties in the Washington-Arlington-Alexandria metro · median $1,341
- 93rd pct · 187th of 3,063 US counties · median 4.3
- 90th pct · 13th of 133 Virginia counties · median 5.4
- 63rd pct · 9th of 23 counties in the Washington-Arlington-Alexandria metro · median 7.1
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $456,897 (Aug 2026), +1.0% over one year, +21.1% over five
- 91st pct · 273rd of 3,063 US counties · median $234,566
- 81st pct · 25th of 133 Virginia counties · median $307,999
- 18th pct · 19th of 23 counties in the Washington-Arlington-Alexandria metro · median $568,558
| Item | Value | Distance |
|---|---|---|
| Spotsylvania County, VA | $456,897 · +1.0% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,052/mo (Aug 2026), +4.1% over one year; price-to-rent 18.6
- 85th pct · 208th of 1,399 US counties · median $1,496
- 70th pct · 24th of 79 Virginia counties · median $1,757
- 28th pct · 16th of 22 counties in the Washington-Arlington-Alexandria metro · median $2,260
| Item | Value | Distance |
|---|---|---|
| Spotsylvania County, VA | $2,052/mo · +4.1% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,501 a month on $456,897 at 7.28%, against an average weekly wage worth $4,541 a month: 55.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $456,897 × 80% = $365,518, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,501/mo principal and interest
- wage share = payment / (avg weekly wage $1,048 × 52 / 12 = $4,541) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $456,897 / ($1,048 × 52) = 8.4
- price-to-rent = $456,897 / ($2,052 × 12) = 18.6
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
38,075 jobs at 3,736 employers (2026 Q1); 0.0% jobs and +3.0% average weekly wage over the year
- 80th pct · 626th of 3,221 US counties · median 8,232
- 83rd pct · 23rd of 133 Virginia counties · median 9,944
- 50th pct · 12th of 23 counties in the Washington-Arlington-Alexandria metro · median 38,075
| Item | Value | Distance |
|---|---|---|
| Spotsylvania County, VA | 38,075 jobs · $1,048/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 7,250 | $828 | 1.95 | -1.5% |
| Health care and social assistance | 4,970 | $1,087 | 0.87 | +2.7% |
| Accommodation and food services | 4,161 | $478 | 1.22 | +0.4% |
| Construction | 2,146 | $1,238 | 1.08 | -1.7% |
| Professional and technical services | 1,946 | $1,874 | 0.74 | -1.2% |
| Administrative and waste services | 1,765 | $1,039 | 0.82 | -5.9% |
| Other services | 1,701 | $855 | 1.49 | +1.3% |
| Transportation and warehousing | 1,527 | $1,144 | 0.95 | -3.0% |
| Educational services | 924 | $1,098 | 1.13 | +1.5% |
| Arts, entertainment and recreation | 813 | $943 | 1.30 | +8.3% |
| Manufacturing | 716 | $1,193 | 0.23 | -3.9% |
| Finance and insurance | 601 | $1,554 | 0.39 | +9.1% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
117 gauges · 0 flooding · 14 with quality panels averaging 98 % · 25 stale
Sites found: 117, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| PO RIVER NEAR SPOTSYLVANIA, VA | flow 22.0 ft³/s | 6 km |
| RAPPAHANNOCK RIVER NEAR FREDERICKSBURG, VA | flow 339.0 ft³/s · quality 100 % (5) · no flooding | 18 km |
| NORTH ANNA RIVER NEAR PARTLOW, VA | flow 35.3 ft³/s | 19 km |
| Rappahannock River at Fredericksburg | no flooding | 22 km |
| TERRYS RUN NEAR TATUM, VA | flow 5.83 ft³/s | 24 km |
| Rapidan River at Germanna Highway | no readings | 25 km |
| PAMUNKEY CREEK AT RT 651 NEAR LAHORE, VA | flow 15.2 ft³/s · quality 100 % (5) | 26 km |
| MATTAPONI RIVER NEAR BOWLING GREEN, VA | flow 61.2 ft³/s · no flooding | 27 km |
| N ANNA RIVER AT RT 669 NR MONROVIA, VA | flow 5.22 ft³/s · quality 100 % (5) | 31 km |
| RAPIDAN RIVER NEAR CULPEPER, VA | flow 109.0 ft³/s · no flooding | 33 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
54 wells in 0 named aquifers:
Sites found: 54, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-382859077474201 | depth 19.1 ft · 2026-10-06 | 36 km |
| USGS-381002078094201 | depth 35.7 ft · 2026-10-06 | 44 km |
| USGS-383455077463101 | depth 13.3 ft · 2021-09-28 | 46 km |
| USGS-383423077245901 | depth 16.5 ft · 2026-10-07 | 48 km |
| USGS-381829077040101 | depth 11.0 ft · 1996-12-17 | 53 km |
| USGS-381829077040102 | depth 11.1 ft · 1996-12-17 | 53 km |
| USGS-383951077415001 | depth 48.2 ft · 2026-10-06 | 54 km |
| USGS-381010077021901 | depth 212.5 ft · 2020-05-25 | 54 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$2.3 bn in deposits at 22 offices of 12 banks (SOD June 2026); HHI 1,952, highly concentrated. $30.2 bn federal obligations in FY2026 (contracts $29.2 bn, direct payments $955.7 m), $791,902 per covered job
| Item | Value | Distance |
|---|---|---|
| Atlantic Union Bank | $766.1 m · 32.7% share · 4 offices | |
| Wells Fargo Bank, National Association | $449.4 m · 19.2% share · 3 offices | |
| Truist Bank | $416.7 m · 17.8% share · 2 offices | |
| Spotsylvania, VA | $30.2 bn FY2026 · $791,902/job | |
| OPTUM PUBLIC SECTOR SOLUTIONS, INC. | $19.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Atlantic Union Bank | $766,092,000 | 32.7% | 4 |
| Wells Fargo Bank, National Association | $449,427,000 | 19.2% | 3 |
| Truist Bank | $416,728,000 | 17.8% | 2 |
| PNC Bank, National Association | $198,076,000 | 8.5% | 2 |
| Burke & Herbert Bank & Trust Company | $193,052,000 | 8.2% | 2 |
| Bank of America, National Association | $143,963,000 | 6.2% | 2 |
| Carter Bank & Trust | $88,138,000 | 3.8% | 2 |
| Shore United Bank, National Association | $29,538,000 | 1.3% | 1 |
| United Bank | $21,140,000 | 0.9% | 1 |
| Blue Ridge Bank, National Association | $19,331,000 | 0.8% | 1 |
Deposit concentration is 1,952 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 32.7² + 19.2² + 17.8² + … (9 more) = 1,952
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Department of Veterans Affairs | $29,429,161,119 |
| Social Security Administration | $661,643,005 |
| Department of Defense | $17,419,639 |
| Department of Homeland Security | $13,601,550 |
| Department of Transportation | $12,510,495 |
| Department of Justice | $5,371,476 |
| Department of Energy | $3,436,578 |
| Federal Communications Commission | $2,103,217 |
| Department of Agriculture | $2,026,492 |
| Railroad Retirement Board | $1,537,242 |
| Department of Education | $1,188,766 |
| Peace Corps | $496,460 |
That is $791,902 per covered job, against 38,075 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $30.2 bn / 38,075 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $791,902
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 11.67 | 2026-10-06 | -8.0% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-07 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Spotsylvania County, VA: 8 findings, 1 at a watch level and 7 noted
watchSpotsylvania County, VA's years of wages of 8.4 ranks 187th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 93.92553886348792 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteSpotsylvania County, VA's average weekly wage was 3.0% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +3 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteSpotsylvania County, VA's typical asking rent rose 0.9% from $2,034 in July 2026 to $2,052 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (2052.191970121382 - 2034.4690790853779) / 2034.4690790853779 × 100
- 2052.191970121382 = Zillow ZORI, 2026-08
- 2034.4690790853779 = Zillow ZORI, 2026-07
noteSpotsylvania County, VA's average weekly wage of $1,048 ranks 22nd of 23 counties in the Washington-Arlington-Alexandria metro, against a median of $1,341.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 23 counties in the Washington-Arlington-Alexandria metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteSpotsylvania County, VA's typical home value of $456,897 ranks 273rd of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 8 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.