I have not a husband. We do not yet fully perceive the fruit of this advice, by which Christ intended to pierce the heart of this woman, to lead her to repentance. And, indeed, we are so intoxicated, or rather stupified, by our self-love, that we are not at all moved by the first wounds that are inflicted. But Christ applies an appropriate cure for this sluggishness, by pressing the ulcer more sharply, for he openly reproaches her with her wickedness; though I do not think that it is a single case of fornication that is here pointed out, for when he says that she has had five husbands, the reason of this probably was, that, being a froward and disobedient wife, she constrained her husbands to divorce her. I interpret the words thus: "Though God joined thee to lawful husbands, thou didst not cease to sin, until, rendered infamous by numerous divorces, thou prostitutedst thyself to fornication."

I have no husband - This was said, evidently, to evade the subject. Perhaps she feared that if she came there with the man that she lived with, the truth might be exposed. It is not improbable that by this time she began to suspect that Jesus was a prophet.
Hast well said - Hast said the truth.

The woman answered and said, I have no husband,.... Which was a truth she would not have spoke at another time and place, or to any of her neighbours; but Christ being a stranger, and no odium incurring upon her by it; and this serving a purpose to excuse her going to call him, she declares the truth of the matter:
Jesus said unto her, thou hast well said, I have no husband; this is the truth, it is really fact, and is the true state of the case, between thee and him, who goes for thy husband.

I have no husband. The words have their designed effect. She has a man, but not a husband.

Thou hast well said - We may observe in all our Lord's discourses the utmost weightiness, and yet the utmost courtesy.