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State

Data from November 2026

Housing , home prices, rents and assistance in Vermont (2026)

In Vermont, a typical home is worth $316,600 and the typical rent is $1,234 a month. The FHA limit for a one-unit home runs from $541,287 to $575,000 depending on the county. 7 HUD-approved counseling agencies serve Vermont; 1 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $227,900
  • $227,900–$279,600
  • $279,600–$304,700
  • $304,700–$361,200
  • $361,200 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$316,600
5% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,234
13% less than the U.S.
U.S.: $1,413
Typical household income
$81,203
About the same as the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $575,000
It changes by county. The highest applies in 3 counties.
U.S.: $541,287 to $1,299,500
Property tax
1.59%
of value a year
The typical bill is $5,039 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Vermont

A typical home in Vermont is worth $316,600, very close to the national figure. Prices change a lot by county: from $172,500 in Essex County to $439,200 in Chittenden County. The typical household earns $81,203 a year and the typical rent is $1,234 a month; 48% of renter households spend 30% or more of their income on housing. 73% of households own their home, and the typical property tax is $5,039 a year (about 1.59% of value).

The conforming loan limit for a one-unit home is $832,750 across Vermont. To pay HUD’s fair rent for a 2-bedroom apartment in Vermont ($1,773) without spending more than 30% of income, you need about $34.10 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Vermont

More on property tax

  • Property tax credit for your primary home (homestead)

    You may get a credit on your property taxes if your home qualifies as a homestead (your primary home) and you meet all the requirements: you filed the year's Homestead Declaration, you were domiciled in Vermont for the whole taxable year, no one claimed you as a dependent, you owned and lived in the home on April 1, and your household income is within the limit. The maximum credit is $5,600 for the State education property tax portion and $2,400 for the municipal portion. The income limit changes every year and is shown on the form.

    Vermont Department of Taxes · Verified October 24, 2026

  • What to have ready for the Homestead Declaration

    The Department of Taxes page says that, besides the owner's basic information, you should have the property owner's Social Security Number and the code of the Vermont school district where the property is located when you file the Homestead Declaration. That code is the middle three digits of the SPAN on the property tax bill.

    Vermont Department of Taxes · Verified October 24, 2026

  • Deadline: Homestead Declaration every year by April 15

    The Homestead Declaration is filed every year. For 2026, the due date was April 15, 2026 and the final date accepted was October 15, 2026; the dates change each year. If you file late, your municipality may charge a penalty of up to 3 percent (if the nonhomestead rate is higher than the homestead education rate) or up to 8 percent (if it is lower). If you do not file by the October deadline, your property is classified as nonhomestead and you pay the higher of the two rates, a penalty and any additional property tax and interest.

    Vermont Department of Taxes · Verified October 24, 2026

  • Grievance to the listers about your appraisal

    If you disagree with an action of the listers (the town officials who appraise property) and want to be heard, the law says to file your objections with them in writing on or before the day of the grievance meeting. You may attend that meeting in person or through an agent or attorney.

    Vermont General Assembly (Vermont Statutes Online) · Verified October 24, 2026

  • State property transfer tax

    Vermont taxes the transfer of property by deed. The general rate is 1.25 percent of value (or $1, whichever is greater). If the property will be the principal residence of the person receiving it, the tax is 0.5 percent of the first $200,000 and 1.25 percent of the value above $200,000. If the purchase mortgage is funded in part with a homeland grant through the Vermont Housing and Conservation Trust Fund, or the state housing finance agency (VHFA) or USDA Rural Development has committed to make or purchase it, there is no tax on the first $250,000 and 1.25 percent on the value above that.

    Vermont General Assembly (Vermont Statutes Online) · Verified October 24, 2026

  • 3.4 percent rate when the home will not be a primary residence

    The transfer tax is 3.4 percent of value when the residential property is fit to live in year-round, will not be the principal residence of the person receiving it, and that person will not be required to provide a landlord certificate under section 6069.

    Vermont General Assembly (Vermont Statutes Online) · Verified October 24, 2026

The homes here

Housing in Vermont

What homes there are in Vermont, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Vermont, 7 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

The typical home in Vermont was built in 1976, 4 years before the typical one in the U.S..

By size, homes in Vermont look like those in the U.S.: 59% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Vermont is between $300K and $500K: that is where 33% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Vermont is between $1,000 and $1,499 a month: that is where 32% of rented homes sit.

With a mortgage

$1,907 a month

United States: $1,963 a month

Without a mortgage

$837 a month

United States: $638 a month

Owners with a mortgage

60%

United States: 61%

Owning costs about the same in Vermont as in the U.S.: with a mortgage, $1,907 a month; without one, $837.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Vermont gained value more slowly than in the U.S.: 39% since 2015–2019, against 53%.

The typical rent in Vermont rose 25% over the same time; in the U.S., it rose 33%.

To compare: typical income in Vermont rose 31%; the home, +39%; the rent, +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureVermontUnited States
Rental vacancy 3.0%5.5%
Homeowner vacancy 0.7%0.9%
More than one person per room 1.6%3.4%
People per household 2.282.53
Drive alone 69%69%
Carpool 8%9%
Public transit 1%3%
Walk or bike 5%3%
Work from home 17%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In Vermont, the rental vacancy rate is 3.0%; in the U.S., 5.5%.

In Vermont, 1.6% of households live with more than one person per room, against 3.4% in the U.S..

On average, a household in Vermont has 2.28 people, fewer than in the U.S. (2.53).

In Vermont, 69% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Vermont

Sort by any column. Each name leads to its page.

See the counties page
Population, typical home value, FHA limit, 2-bedroom fair rent and typical income by county in Vermont
Chittenden County169,758$439,200$575,000$2,165$96,759
Rutland County60,425$229,400$541,287$1,541$68,616
Washington County60,017$315,000$541,287$1,783$83,449
Windsor County57,990$296,400$541,287$1,558$77,594
Franklin County50,638$306,700$575,000$2,165$81,313
Windham County45,923$279,600$541,287$1,605$72,217
Addison County37,664$361,200$541,287$1,636$89,639
Bennington County37,269$279,900$541,287$1,503$73,325
Caledonia County30,475$227,900$541,287$1,327$69,970
Orange County29,761$271,300$541,287$1,581$82,232
Orleans County27,606$223,400$541,287$1,363$70,103
Lamoille County26,148$304,700$541,287$1,535$74,908
Grand Isle County7,450$394,100$575,000$2,165$97,396
Essex County5,982$172,500$541,287$1,167$59,294

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Vermont

Start from the typical home value in Vermont, $316,600, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Vermont

$
%

Estimated monthly payment

$2,797

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Vermont rose 89% in the 10 years through 2025.

Price change each year

Period Vermont United States
In 2025 +3.6% +2.9%
5 years (2020–2025) +64% +47%
10 years (2015–2025) +89% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Vermont were 2% lower than the U.S. average. Housing rents were 14% lower than nationwide.

Category Vermont United States Versus the U.S.
All prices Consumer goods and services 98.0 100.0 2% less
Housing rents What renters pay 86.5 100.6 14% less
Water, power and gas Water, sewer, electricity and gas 125.8 98.4 28% more
Goods Food, clothing, transportation and more 97.3 99.6 2% less
Other services Services other than rent 101.6 100.1 1% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Vermont 1.8% of homes (4,617) are in a high-risk flood zone. Of those homes, 37% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Vermont United States
Homes in a high-risk zone 1.8% 3.5%
Of those, with NFIP insurance 37% 48%
All homes with NFIP insurance 1.1% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Vermont

The most populous city with a page. Each one compares its prices and rents with its county.

See the other cities (12)

    Help to buy

    Assistance programs in Vermont

    Our list has 3 official programs that help you buy in Vermont. Each card says what kind of help it gives and when we checked its official page.

    See all 3 programs
    1. VHFA ASSIST

      Vermont state agency loan of up to $10,000 at 0% deferred, with no monthly payments, for the down payment and closing costs alongside the VHFA MOVE mortgage; for people who have never owned a home and have less than $20,000 in liquid savings. Offered by Vermont Housing Finance Agency (VHFA).

      Deferred Verified November 5, 2026

    2. First Generation Homebuyer Grant

      Open, per the source

      Vermont state agency grant of $15,000 for the down payment and closing costs, with a VHFA mortgage; for people who have never owned a home and have less than $20,000 in liquid savings, if their parents or guardians never owned a home (or lost it to foreclosure) or if they were in foster care. Offered by Vermont Housing Finance Agency (VHFA).

      Grant Verified November 5, 2026

    3. Mortgage Credit Certificate (MCC)

      Vermont state agency certificate that turns up to 50% of the interest you pay each year on your mortgage into a credit on your federal taxes, capped at $2,000 a year, while you live in the home and keep the original mortgage. Offered by Vermont Housing Finance Agency (VHFA).

      Tax credit Verified November 5, 2026

    Tenant rights

    Tenant rights in Vermont

    Vermont law answers 3 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Data not available

    2. When must they return my deposit?

      In Vermont, the landlord must return your security deposit, with a written itemized list of any deductions, within 14 days. The 14 days run from when the landlord discovers you moved out or abandoned the unit, or from the day you moved out if you told the landlord that date. For a seasonal rental that is not a primary residence, the deadline is 60 days.

      9 V.S.A. §4461(c)

    3. If I fall behind on rent, what notice must I get?

      In Vermont, if you do not pay rent, the landlord may end your tenancy with a written notice that states the termination date, and that date must be at least 14 days after you receive the notice. The tenancy does not end if you pay or offer to pay the rent due through the end of the rental period in which you make the payment.

      9 V.S.A. §4467(a)

    4. How much notice ends a month-to-month rental?

      In Vermont, to end your tenancy for no cause when there is no written rental agreement and you pay rent monthly, the landlord must give you written notice of the termination date at least 60 days ahead if you have lived there two years or less, or 90 days ahead if you have lived there more than two years. With no written agreement and a contract to sell the building, the notice is at least 30 days. With a written agreement, the notice must come at least 30 days before the end of the agreement's stated term, or 60 days if the tenancy has lasted more than two years. If you pay weekly, the notice is 21 days with no written agreement or 7 days with a written week-to-week agreement.

      9 V.S.A. §4467(c)-(e)

    5. Are there limits on late fees?

      Data not available

    A father and mother walk their son by the hand down the sidewalk.

    Help and advice

    Who can help you in Vermont?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    7 HUD-approved counseling agencies serve Vermont; 1 says it serves you in Spanish. Choose your county to see the closest ones with their phone number.

    9 public housing authorities run Section 8 vouchers and public housing in Vermont.

    See all 7 agencies See the housing agencies

    Who runs the help in Vermont

    • Vermont Housing Finance Agency (VHFA)

      The Vermont Housing Finance Agency (VHFA) says its benefits are available only through participating banks, credit unions and mortgage companies, and asks you to check with your lender whether you qualify. The benefits it lists include competitive interest rates, a down payment as low as 0% to 5%, savings of up to $1,735 at closing, and down payment and closing cost assistance. These figures are the ones the agency publishes and may change.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Vermont

    • Where to file a housing discrimination complaint

      The Vermont Human Rights Commission (HRC) can investigate claims of discrimination in housing, public accommodations and state government employment. Complaints must be submitted within one year of the most recent act of discrimination.

      Vermont Human Rights Commission · Verified October 24, 2026

    • Help with homeowners insurance complaints or questions

      The Insurance Division of the Vermont Department of Financial Regulation (DFR) regulates all insurance companies, agents and adjusters doing business in Vermont. It can take consumer complaints about auto, homeowners, life and other types of insurance coverage.

      Vermont Department of Financial Regulation (DFR) · Verified October 24, 2026

    Guides

    Guides for you in Vermont

    We picked them with the numbers of Vermont. Each one says why it can help you.

    Frequently asked questions about housing in Vermont

    What is the FHA limit in Vermont in 2026?

    In Vermont, the FHA limit for a one-unit home runs from $541,287 to $575,000. The highest is in Chittenden County.

    How much does a typical home cost in Vermont?

    The typical home value in Vermont is $316,600 (Average 2020–2024, U.S. Census). The highest is in Chittenden County ($439,200) and the lowest in Essex County ($172,500).

    How much does it cost to rent in Vermont?

    The typical rent in Vermont is $1,234 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Vermont?

    At HUD's average fair market rent in Vermont ($1,773, Fiscal year 2027), about $34.10 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Vermont?

    The typical property tax in Vermont is $5,039 a year, about 1.59% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Vermont?

    There are 7 HUD-approved counseling agencies in Vermont; 1 says it serves you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).