How much house can I afford on $70,000 in Vermont?
About $229,000 with 20% down ($186,000 with an FHA loan), using Vermont's 1.51% property tax rate.
That is $163,030 less than the typical Vermont home ($391,900), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,232 principal and interest, $287 property tax and $114 insurance.
Counties in Vermont you can afford on $70,000
On $70,000 the typical home is out of reach in every Vermont county tracked by Zillow — the cheapest is Essex County at $240,111.
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 $70,000 in Vermont?
About $229,000 with 20% down at 7.11%, keeping the payment (with Vermont's 1.51% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Vermont?
Not the typical home: the typical Vermont home is worth $391,900 (Zillow, September 2026) and $70,000 supports about $229,000. 0 of 14 counties are within budget.