How much house can I afford on $100,000 in Vermont?
About $327,000 with 20% down ($265,000 with an FHA loan), using Vermont's 1.51% property tax rate.
That is $64,943 less than the typical Vermont home ($391,900), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $1,760 principal and interest, $410 property tax and $163 insurance.
Counties in Vermont you can afford on $100,000
5 of 14 counties have a typical home value at or below $327,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orange County | $322,699 | -0.7% | 1.66% |
| Rutland County | $315,512 | +3.0% | 1.81% |
| Caledonia County | $298,327 | +2.4% | 1.76% |
| Orleans County | $290,906 | +4.9% | 1.65% |
| Essex County | $240,111 | +6.2% | 1.76% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.51% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Vermont
Frequently asked questions
How much house can I afford on $100,000 in Vermont?
About $327,000 with 20% down at 7.11%, keeping the payment (with Vermont's 1.51% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Vermont?
Not the typical home: the typical Vermont home is worth $391,900 (Zillow, September 2026) and $100,000 supports about $327,000. 5 of 14 counties are within budget.