Fredericksburg, Spotsylvania County, Virginia Property Taxes
Property Taxes in Fredericksburg, Virginia
Median Fredericksburg, Virginia effective property tax rate: 0.73%, significantly lower than the national median of 1.02%, and lower than the Virginia state median of 0.90%.
Median Fredericksburg, Virginia home value: $361,800
Median annual Fredericksburg, Virginia tax bill: $2,649, $249 higher than the national median property tax bill of $2,400.
How are property taxes in Spotsylvania calculated?
Property taxes in Fredericksburg, Virginia 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 Fredericksburg's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Fredericksburg, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Fredericksburg, 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
$2,641
$2,451
How Does the Fredericksburg Property Tax Calculator Work?
Use this Fredericksburg property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Fredericksburg's median effective tax rate of 0.73% — based on actual property records in Spotsylvania County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Fredericksburg's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Fredericksburg: rates range from $2,637 in 22407 to $2,672 in 22408, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Fredericksburg.
About Fredericksburg Property Taxes
About Property Taxes in Fredericksburg, Spotsylvania, Virginia
Fredericksburg’s median effective property tax rate of 0.73% is lower than the Virginia state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Spotsylvania County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Fredericksburg. Homeowners in the 22408 ZIP code carry a median effective rate of 0.73%, while those in 22407 pay 0.73%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Spotsylvania County. Understanding which part of Fredericksburg you live in can make a meaningful difference to your annual tax bill.
Fredericksburg homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the June 1, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Fredericksburg, Spotsylvania County, Virginia
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Fredericksburg's effective property tax rate to other cities in Virginia and the median property tax rates in Virginia and the U.S.
Property Tax Rates Across Fredericksburg, Spotsylvania County, Virginia
Source: Ownwell
0.73%
0.73%
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 Fredericksburg 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 Spotsylvania County Tax Rate
0.73%
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Fredericksburg, Spotsylvania County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22407 | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| 22408 | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
Source: Ownwell
Property Tax Assessment Values Across Fredericksburg, Spotsylvania County, Virginia
When examining property taxes in Fredericksburg, Virginia, 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 February 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. For Fredericksburg homeowners, the median home price is $361,800, and the median tax bill is $2,649, slightly above the national median property tax bill of $2,400. Tax bills range across the county, with the highest median home price in 22408 at $364,200.
Property Tax Assessment Values Across Fredericksburg, Spotsylvania County, Virginia
Source: Ownwell
$158,200
$529,600
$901,000
Median Fredericksburg Market Value
$361,800
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 Fredericksburg, Spotsylvania County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22407 | $246,100 | $296,500 | $360,500 | $461,400 | $563,930 |
| 22408 | $218,210 | $273,625 | $364,200 | $444,100 | $523,780 |
Source: Ownwell
Property Tax Bills Across Fredericksburg, Spotsylvania County, Virginia
How are property tax bills calculated in Fredericksburg?
Property tax bills in Fredericksburg are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value to determine the final bill, so two homes with similar market values can still have different taxes if their assessments differ. For homeowners, this means the bill depends on both the value assigned to the property and the rate set by local taxing authorities.
What factors are considered in the tax bill?
The main factors are the home’s assessed value, the local tax rate, and any exemptions or adjustments that may apply. With a median home price of $361,800, property tax bills in the area vary widely. The 25th percentile bill is $2,121, while the 75th percentile is $3,334 and the 90th percentile reaches $4,017. That range shows how much the tax burden can differ from one homeowner to another.
How does this compare with the national median?
The national median property tax rate is 1.02%, and the national median property tax bill is $2,400. In Fredericksburg, homeowners may see bills above or below that benchmark depending on how their property is assessed.
Property Tax Bills Across Fredericksburg, Spotsylvania County, Virginia
Source: Ownwell
$1,192
$3,904
$6,616
Median Fredericksburg Tax Bill
$2,649
Median Spotsylvania County Tax Bill
$2,533
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$2,400
Property Tax Bills Across Fredericksburg, Spotsylvania County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22407 | $1,742 | $2,157 | $2,637 | $3,379 | $4,131 |
| 22408 | $1,558 | $1,993 | $2,672 | $3,261 | $3,848 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 1 |
Links | |
|---|---|
| Spotsylvania Tax Assessor | |
| Website | apps.spotsylvaniacountyva.gov |