How much house can I afford on $80,000 in Vermont?
About $262,000 with 20% down ($212,000 with an FHA loan), using Vermont's 1.51% property tax rate.
That is $130,335 less than the typical Vermont home ($391,900), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,408 principal and interest, $328 property tax and $131 insurance.
Counties in Vermont you can afford on $80,000
1 of 14 counties have a typical home value at or below $262,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Essex County | $240,111 | +6.2% | 1.76% |
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 $80,000 in Vermont?
About $262,000 with 20% down at 7.11%, keeping the payment (with Vermont's 1.51% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Vermont?
Not the typical home: the typical Vermont home is worth $391,900 (Zillow, September 2026) and $80,000 supports about $262,000. 1 of 14 counties are within budget.