Vermont home affordability
Planning calculations anchored to ACS 2020–2024 owner-occupied home values and household income. They use a disclosed interest assumption, not a current rate or sale-price median. Educational only, never an offer or a quote.
Illustrative 30-year interest assumption: 6.50%. Historical survey period through December 2024, not a rate observation date.
Vermont at a glance
- Owner-occupied median home value
- $316,600Historical ACS 2020–2024, not sale price
- Median household income
- $81,203ACS 2020–2024, 2024 dollars
- Illustrative interest assumption
- 6.50%Not a current benchmark or quote
- Planning monthly payment
- $2,171Illustrative PITI, 20% down, 30-year
- Planning payment-to-income ratio
- 32.1%Not observed household cost burden
Planning payment includes principal, interest, the state ACS ratio-of-medians tax benchmark and $1,800 annual insurance allowance. Read the full methodology. Retrieved 2026-10-15, not a new observation.
Sources, dates and planning methodology
Historical ACS survey estimates cover 2020–2024, through 2024-12-31. Retrieved 2026-10-15, not a current market observation date. Method: financial-planning-1. These estimates describe owner-occupied homes, not homes sold or a lender appraisal.
Tax benchmark = 100 × median annual real estate taxes paid (B25103 total) ÷ median owner-occupied home value (B25077), for the same state, universe and ACS five-year release. A ratio of medians is not the median effective tax rate, millage or a prediction of post-sale taxes. Ask the assessor about reassessment, exemptions and special assessments.
Closing fees are an itemized illustrative scenario, not statewide observed averages or verified state fee schedules. State scenarios use historical home value as an editable price anchor. The national default is an illustrative $350,000 price and 1% tax budget, not a sourced national statistic. Default rate 6.5% is an assumption, not a quote or current national average. Loan/service allowances: $1200 origination and $2500 other services; government allowance $2000. Replace these with property-specific, dated fees. No verified state fee schedule is applied.
Fee planning range uses 75% to 150% of the selected buyer-paid fee budget. It is a sensitivity range, not a statistical confidence interval and may not bound actual costs. Prepaids assume 15 days of interest and one annual insurance premium; initial escrow assumes 3 months of taxes and insurance. The prepaid premium and escrow reserve are separate periods, not two premiums. Actual lender requirements and closing dates differ.
Credits cannot reduce the down payment in this model. Deposits reduce cash due once. Financing fees, mortgage insurance, inspections, survey, HOA, attorney and special assessments remain unknown unless included in your edited allowances. Unknown does not mean $0 or waived. Confirm actual buyer responsibility, credit restrictions and final cash to close on the Loan Estimate and Closing Disclosure.
Affordability is a hypothetical payment-to-income comparison, not a measurement of actual household housing-cost burdens. Household income (B19013) covers all households in 2024 inflation-adjusted dollars; owner values/taxes cover owner-occupied homes. No local lender quote, eligibility or sale-price median is inferred. Historical affordability records and rate archives are separate and are not recalculated with this dataset.
Edit your purchase and closing scenario
Illustrative planning only for Vermont. The initial price is anchored to the historical ACS home value, not a current sale price. Tax uses the ratio-of-medians benchmark until you replace it. No local fee schedule or lender quote is assumed.
Planning monthly payment: $2,171. Principal, interest, tax budget and insurance only; excludes HOA and mortgage insurance. 30-year term.
- Loan amount
- $253,280
- Buyer-paid loan/services/government fees
- $5,700
- Prepaids (interest + annual insurance)
- $2,477
- Initial tax/insurance escrow
- $1,710
- Down payment (separate from fees)
- $63,320
- Credits applied
- $0
- Deposit already paid
- $0
- Estimated remaining cash to close
- $73,206
Fee-only planning range: $4,275 to $8,550. Not a confidence interval. Cash to close excludes unknown charges until you include them in the allowances.
- Lender origination allowance: $1,200 before buyer-share allocation
- Discount points assumption: $0 before buyer-share allocation
- Appraisal, title, settlement and other service allowance: $2,500 before buyer-share allocation
- Government/transfer allowance (not a verified fee schedule): $2,000 before buyer-share allocation
Unknown, not assumed waived: Actual local recording/transfer rules and buyer allocation; Inspections, survey, attorney, special assessments, HOA and lender-required charges; Loan-program upfront fees, mortgage insurance and actual escrow requirements.
Sources, dates and planning methodology
Historical ACS survey estimates cover 2020–2024, through 2024-12-31. Retrieved 2026-10-15, not a current market observation date. Method: financial-planning-1. These estimates describe owner-occupied homes, not homes sold or a lender appraisal.
Tax benchmark = 100 × median annual real estate taxes paid (B25103 total) ÷ median owner-occupied home value (B25077), for the same state, universe and ACS five-year release. A ratio of medians is not the median effective tax rate, millage or a prediction of post-sale taxes. Ask the assessor about reassessment, exemptions and special assessments.
Closing fees are an itemized illustrative scenario, not statewide observed averages or verified state fee schedules. State scenarios use historical home value as an editable price anchor. The national default is an illustrative $350,000 price and 1% tax budget, not a sourced national statistic. Default rate 6.5% is an assumption, not a quote or current national average. Loan/service allowances: $1200 origination and $2500 other services; government allowance $2000. Replace these with property-specific, dated fees. No verified state fee schedule is applied.
Fee planning range uses 75% to 150% of the selected buyer-paid fee budget. It is a sensitivity range, not a statistical confidence interval and may not bound actual costs. Prepaids assume 15 days of interest and one annual insurance premium; initial escrow assumes 3 months of taxes and insurance. The prepaid premium and escrow reserve are separate periods, not two premiums. Actual lender requirements and closing dates differ.
Credits cannot reduce the down payment in this model. Deposits reduce cash due once. Financing fees, mortgage insurance, inspections, survey, HOA, attorney and special assessments remain unknown unless included in your edited allowances. Unknown does not mean $0 or waived. Confirm actual buyer responsibility, credit restrictions and final cash to close on the Loan Estimate and Closing Disclosure.
Affordability is a hypothetical payment-to-income comparison, not a measurement of actual household housing-cost burdens. Household income (B19013) covers all households in 2024 inflation-adjusted dollars; owner values/taxes cover owner-occupied homes. No local lender quote, eligibility or sale-price median is inferred. Historical affordability records and rate archives are separate and are not recalculated with this dataset.
Separate stored historical calculations
If available, this chart shows previously stored affordability calculations under their original price, income, tax and insurance assumptions. Those legacy seeds have not been independently authenticated here. These records are not recalculated, relabeled as observations or blended with the new planning comparison above. Do not compare the two as a continuous time series.
Checking for separate stored calculations. The planning scenario above is ready to use.
Run the numbers for Vermont
Plug in your own price, down payment, and rate to see how the picture changes for your situation.
How Vermont compares
See the full state-by-state affordability table.
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Educational planning view only. Current inputs use historical ACS owner-occupied home values, household income and disclosed scenario assumptions. Previously stored calculations retain their original inputs and are separate. Nothing on this page is an offer, a quote, an advertisement of a specific rate, or a representation of rates available to any individual borrower. Mortgage Today is owned and operated by Mektra LLC. We do not originate, broker, or fund loans. When you submit a request, we forward your information to a licensed loan officer in our network who can discuss programs available in your state. This is not a loan approval, commitment to lend, or offer of credit. All loan applications are subject to credit approval.
Mortgage Today is owned and operated by Mektra LLC.
Mortgage Today is an educational brand and does not originate, broker, or fund loans of any kind. If you submit a mortgage inquiry, agree to loan officer contact, and our network can serve your state, we forward your information to a licensed loan officer in our network. An introduction to another lender requires a separate request.