How much house can I afford on $90,000 in Vermont?
About $294,000 with 20% down ($239,000 with an FHA loan), using Vermont's 1.51% property tax rate.
That is $97,639 less than the typical Vermont home ($391,900), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,584 principal and interest, $369 property tax and $147 insurance.
Counties in Vermont you can afford on $90,000
2 of 14 counties have a typical home value at or below $294,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orleans County | $290,906 | +4.9% | 1.65% |
| 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 $90,000 in Vermont?
About $294,000 with 20% down at 7.11%, keeping the payment (with Vermont's 1.51% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Vermont?
Not the typical home: the typical Vermont home is worth $391,900 (Zillow, September 2026) and $90,000 supports about $294,000. 2 of 14 counties are within budget.