Spotsylvania County, Virginia

County Distress Index: Normal · 39.2 | 149,588 people · 94th most distressed in Virginia
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Spotsylvania County, VA falls within the normal range for household financial distress at 39.2 — 2399th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Virginia, it ranks 94th of 133 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Spotsylvania County's primary driver is Housing Cost Burden at 71.6 — above the national median.

Housing Cost Burden Primary driver 71.6
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 85
Mortgage-Burdened (30%+) 85
Homeownership Rate 21
Rent-to-Income Ratio 78
Employment & Wages 52.5
Unemployment Rate 38
Wage-to-Rent Ratio 99
Business Formation Rate 20
Debt & Delinquency 45.0
Debt in Collections 42
Medical Debt 17
Student Loan Delinquency 18
Auto Loan Delinquency 60
Credit Card Delinquency 52
Bankruptcy Filing Rate 82
Community Vulnerability 22.2
Uninsured Rate 37
Disability Rate 7
Income & Poverty 4.5
Poverty Rate 3
Income vs. State Median 2
Child Poverty Rate 9

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Spotsylvania County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Spotsylvania County
Spotsylvania County, VA 39.2 Normal —
Fredericksburg city, VA 51.2 Elevated +12.0
Caroline County, VA 41.1 Normal +2.0
Culpeper County, VA 40.8 Normal +1.6
Louisa County, VA 40.2 Normal +1.0
Orange County, VA 37.3 Normal -1.9
Stafford County, VA 33.3 Healthy -5.9
Hanover County, VA 26.8 Healthy -12.3

Population Peers

County Score Zone vs. Spotsylvania County
Grafton County, NH 39.2 Normal +0.1
Grant County, WI 39.2 Normal +0.1
Bonneville County, ID 39.1 Normal -0.1
Jackson County, GA 39.3 Normal +0.1
El Dorado County, CA 39.1 Normal -0.1

Download Data

Export all distress indicators for Spotsylvania County as a CSV file.

Find Help in Spotsylvania County

Find an Attorney

Virginia State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Virginia State Bar Lawyer Referral Service 1-800-552-7977

Free Legal Aid

Legal aid organizations serving Spotsylvania County residents at no cost.

Virginia Legal Aid Society 540-342-3900
Legal Aid Justice Center 434-977-0553
Legal Services of Northern Virginia 703-778-6800
Virginia Poverty Law Center 804-782-9430
Central Virginia Legal Aid Society 804-648-1012
Blue Ridge Legal Services, Inc. (866) 534-5243
Legal Aid Society of Eastern Virginia (757) 827-5078
Southwest Virginia Legal Aid Society, Inc. (888) 201-2772

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Virginia →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Spotsylvania County, Virginia?

    Spotsylvania County has a County Distress Index score of 39.2 out of 100, placing it in the Normal zone. It ranks 2,399th nationally out of 3,144 counties and 94th in Virginia out of 133 counties.

  • What drives financial distress in Spotsylvania County?

    The primary driver of distress in Spotsylvania County is Housing Cost Burden, where the county scores 71.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Spotsylvania County compare to neighboring counties?

    Spotsylvania County (39.2) can be compared to its 7 neighboring counties: Fredericksburg city, VA (51.2); Caroline County, VA (41.1); Culpeper County, VA (40.8).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Spotsylvania County?

    Spotsylvania County, Virginia has a population of approximately 149,588 (2023 Census estimate), classified as a mid county.