Vermont home prices and mortgage costs
Typical home value $391,900 · +0.9% in a year · property tax 1.51%
Vermont ranks 23rd most expensive of 51 states and D.C. Home values changed +0.9% over the past year and +16.9% over five years. Buying the typical home with 20% down costs about $2,797 a month at 7.11%, which needs a household income of about $119,900.
Cost of the typical Vermont home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $78,380 | $313,520 | $2,109 | $0 | $688 | $2,797 | $119,900 |
| 10% down | $39,190 | $352,710 | $2,373 | $147 | $688 | $3,207 | $137,500 |
| 5% down | $19,595 | $372,305 | $2,505 | $155 | $688 | $3,347 | $143,500 |
| 3.5% down (FHA) | $13,717 | $384,802 | $2,589 | $173 | $688 | $3,450 | $147,800 |
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.
Check a specific budget: how much house you can afford in Vermont by salary · payment on a $400K home in Vermont
Home prices by county in Vermont
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Chittenden County | $503,727 | -0.3% | 1.51% | $3,595 | $154,100 |
| Lamoille County | $489,639 | +0.9% | 1.57% | $3,521 | $150,900 |
| Grand Isle County | $452,828 | +4.0% | 1.32% | $3,161 | $135,500 |
| Addison County | $421,591 | +0.5% | 1.58% | $3,033 | $130,000 |
| Windsor County | $416,696 | +2.8% | 1.84% | $3,090 | $132,400 |
| Washington County | $389,915 | +1.2% | 1.75% | $2,860 | $122,600 |
| Bennington County | $374,684 | +0.9% | 1.64% | $2,715 | $116,300 |
| Windham County | $368,593 | -0.4% | 1.81% | $2,724 | $116,700 |
| Franklin County | $362,297 | +0.9% | 1.41% | $2,557 | $109,600 |
| Orange County | $322,699 | -0.7% | 1.66% | $2,346 | $100,500 |
| Rutland County | $315,512 | +3.0% | 1.81% | $2,332 | $99,900 |
| Caledonia County | $298,327 | +2.4% | 1.76% | $2,193 | $94,000 |
| Orleans County | $290,906 | +4.9% | 1.65% | $2,112 | $90,500 |
| Essex County | $240,111 | +6.2% | 1.76% | $1,764 | $75,600 |
Metro areas in Vermont
Frequently asked questions
What is the average home price in Vermont?
The typical home in Vermont is worth $391,900 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Vermont?
About $119,900 a year to buy the typical $391,900 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Vermont?
The typical effective rate is 1.51% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).