In China, the “land-restructuring” policy provides balanced land for urban settlements that is strictly limited in expansion. Therefore, reassessing and adjusting the layout of rural settlements is of great practical significance for promoting rural revitalization. In this paper, taking Xian’an district in Hubei Province as an example, we use the weighted rank-sum ratio comprehensive evaluation method and spatial association analysis method to analyze the development level and spatial pattern of settlements. The results show that: (1) The development level of settlements in Xian’an shows obvious spatial differences, with a spatial pattern of ‘high in the core–low in the periphery’ and ‘high in the northwest–low in the southeast’, which is the result of the combined effect of natural geographical conditions and socioeconomic conditions; (2) The comprehensive development level of settlements, evaluated based on four major indicators—population size, resource endowment, spatial characteristics, and material construction—reveals the presence of cluster effects, distance decay effects, administrative hierarchy effects, and “long board” effects; (3) Within village communities, settlements with significantly high levels and settlements with significantly low levels have a similar geographic distribution and mosaic spatial patterns. Lastly, based on the overall development level and spatial association patterns of settlements, this article presents possible options for governmental settlement governance from the standpoint of rural building management.