Rutland, VT home prices
Typical home $315,520 · +3.0% in a year · income needed $99,900
The Rutland, VT metro area ranks 287 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.0% in a year and +20.1% over five years. With 20% down at 7.11%, the typical home costs about $2,332 a month including 1.81% property tax (Rutland County rate).
Mortgage on the typical Rutland home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,104 | $252,416 | $1,698 | $0 | $634 | $2,332 | $99,900 |
| 10% down | $31,552 | $283,968 | $1,910 | $118 | $634 | $2,662 | $114,100 |
| 5% down | $15,776 | $299,744 | $2,016 | $125 | $634 | $2,775 | $118,900 |
| 3.5% down (FHA) | $11,043 | $309,805 | $2,084 | $140 | $634 | $2,858 | $122,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.81% 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.
Counties in the Rutland area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rutland County, VT | $315,512 | +3.0% | 1.81% |
What can you afford in Vermont on your salary? · Vermont home prices · Salaries in Vermont
Frequently asked questions
How much is a house in Rutland?
The typical home in the Rutland, VT metro area is worth $315,520 (Zillow, September 2026).
What salary do you need to buy a house in Rutland?
About $99,900 a year for the typical home with 20% down at 7.11%.