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City · 10,803 residents · Chittenden County, Vermont

Essex Junction , Vermont

In Essex Junction, a typical home is worth $407,500 and typical rent is $1,544 a month. Compared with all of Chittenden County, typical household income is 8% lower and the typical home value is 7% lower.

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  • Typical home value

    $407,500

    7% below the county

    29% above Vermont

    • Essex Junction
    • Chittenden
    • Vermont

  • Typical rent

    $1,544a month

    6% below the county

    25% above Vermont

    • Essex Junction
    • Chittenden
    • Vermont

  • Typical household income

    $89,257a year

    8% below the county

    10% above Vermont

    • Essex Junction
    • Chittenden
    • Vermont

  • Households that own their home

    59%

    5 points below the county

    14 points below Vermont

    • Essex Junction
    • Chittenden
    • Vermont

Source: U.S. Census Bureau, Average 2020–2024

Essex Junction is in Chittenden County. The FHA loan limit ($575,000 for a one-unit home), the fair market rents and the help on this page are those of all of Chittenden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Essex Junction apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in St. Albans, the typical home value is $263,400: 35% less than in Essex Junction ($407,500).

  2. Nearby, in St. Albans, the typical rent is $1,150: 26% less than in Essex Junction ($1,544).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Essex Junction

What homes there are in Essex Junction, 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

As in Chittenden County, most homes in Essex Junction are detached houses (50%).

Year built

The typical year built in Essex Junction is 1983, about the same as in Chittenden County (1981).

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
Monthly rent with utilities

With a mortgage

$2,236 a month

Chittenden County: $2,268 a month

Without a mortgage

$939 a month

Chittenden County: $974 a month

Owners with a mortgage

77%

Chittenden County: 67%

In Essex Junction, 77% of owners have a mortgage; their typical cost is $2,236 a month, about the same as in Chittenden County.

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

From 2015–2019 to 2020–2024, the typical home value in Essex Junction rose 37%; in Chittenden County, it rose 47%.

Rents in Essex Junction rose more slowly than in Chittenden County: 18% since 2015–2019, against 32%.

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

MeasureEssex JunctionChittenden CountyVermontUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.262.232.282.53
Drive alone 67%62%69%69%
Carpool 11%8%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate8%5%3%
Work from home 17%20%17%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Chittenden County, a household in Essex Junction has 2.26 people on average.

Carpooling is common in Essex Junction: 11% of workers get to work that way, against 8% in Chittenden County.

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

Do the math

What would you pay each month for a home in Essex Junction?

A typical home costs more than the typical income allows

We start with a typical home in Essex Junction, worth $407,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Essex Junction, which is $89,257 a year. For that payment to be 28% of income, a household would need to earn about $155,472 a year.

The calculator's FHA and conventional loan limits are those of all of Chittenden County.

Your numbers

Local data
$

Starts at the typical home value in Essex Junction. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,263 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,628

at 7.18% · 30 years

Loan amount
$400,119
Total interest
$575,677
Paid off in
November 2056

Includes $6,882 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,083 a month

  • Tight

    $2,083 to $2,678 a month

  • Hard

    more than $2,678 a month

    Your payment · 49%

Compared with the typical household income in Essex Junction ($89,257 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,628
Principal & interest$2,711
Property tax$567
Home insurance$170
FHA mortgage insurance (MIP)$180

You need at least $14,263 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Essex Junction and Chittenden County

Essex Junction is in Chittenden County, Vermont. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Essex Junction's own numbers

Typical home value
$407,500
Typical monthly rent
$1,544
Typical yearly household income
$89,257
Households that own their home
59%
Effective property tax rate
1.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Chittenden County

FHA limit, one-unit home
$575,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,165
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
0.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Chittenden County.

Everything about Chittenden County

Buying

Buying a home in Essex Junction

A typical home in Essex Junction is worth $407,500: 7% below the county and 29% above Vermont. With the typical household income in Essex Junction ($89,257 a year), a typical home costs 4.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Essex Junction 4.6 years
  • Chittenden 4.5 years
  • Vermont 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chittenden County

According to FHFA’s house price index, home prices in Chittenden County rose 88% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Chittenden County.

Period County Vermont U.S.
Last year (2025) +2.9% +3.6% +2.9%
5 years (2020–2025) +60% +64% +47%
10 years (2015–2025) +88% +89% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Essex Junction next to Chittenden County, Vermont and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Essex Junction $407,500
  • Chittenden $439,200
  • Vermont $316,600
  • United States $332,700
Typical monthly rent
  • Essex Junction $1,544
  • Chittenden $1,646
  • Vermont $1,234
  • United States $1,413
Typical yearly household income
  • Essex Junction $89,257
  • Chittenden $96,759
  • Vermont $81,203
  • United States $80,734
See the full table
Essex Junction next to Chittenden County and Vermont
Measure Essex Junction Chittenden County Vermont U.S.
Typical home value $407,500 $439,200 $316,600 $332,700
Typical monthly rent $1,544 $1,646 $1,234 $1,413
Typical yearly household income $89,257 $96,759 $81,203 $80,734
Households that own their home 59% 64% 73% 65%
Typical yearly property tax $6,797 $6,617 $5,039 $3,119
Effective property tax rate 1.67% 1.51% 1.59% 0.94%
Renters with high rent for their income 61% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chittenden County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Essex Junction

For a typical $407,500 home in Essex Junction, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Essex Junction's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,628a month

    Least cash to close
    Down payment
    $14,263
    Cash to close
    $26,488
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $180

  • Conventional, 5% down $3,553a month

    Down payment
    $20,375
    Cash to close
    $32,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $194

  • Conventional, 20% down, no PMI $2,945a month

    Down payment
    $81,500
    Cash to close
    $93,725
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,322a month

    Down payment
    $61,125
    Cash to close
    $73,350
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Essex Junction and for Chittenden County.

Property tax

Effective rate in Essex Junction

1.67%of the home’s value each year

$6,797 a year for the typical owner in Essex Junction.

  • Essex Junction 1.67%
  • Chittenden 1.51%
  • Vermont 1.59%

What Vermont publishes Property tax credit for your primary home (homestead) (Vermont Department of Taxes)

Exemptions and deadlines in Vermont

Flood risk in Chittenden County

FEMA does not publish these numbers by city: they are for all of Chittenden County.

Homes in the high-risk zone
0.8%
356
Of those, with NFIP insurance
35%
County Vermont U.S.
Homes in the high-risk zone 0.8% 1.8% 3.5%
Of those, with NFIP insurance 35% 37% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Essex Junction

Typical rent in Essex Junction is $1,544 a month: 6% below the county. In Essex Junction, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chittenden County, by unit size. To pay the 2-bedroom one ($2,165 a month) without spending more than 30% of your income, you would need to earn $41.63 an hour working full time.

HUD fair market rent for all of Chittenden County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,550 $29.81 $62,000
1 bedroom $1,719 $33.06 $68,760
2 bedrooms $2,165 $41.63 $86,600
3 bedrooms $2,733 $52.56 $109,320
4 bedrooms $2,845 $54.71 $113,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Essex Junction

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Essex Junction is in ZIP code 05452.

For 2 bedrooms it is $2,060: $105 less than the fair market rent for Chittenden County ($2,165).

  • 05452 $2,060$2,600

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Essex Junction when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Essex Junction

HUD lists 7 buildings with rents for lower incomes in Essex Junction. These are the largest.

  • Whitcomb Woods 128 West St, Essex Junction 05452 64 low-income homes · For older adults
  • Whitcomb Woods 128 West St, Essex Junction 64 homes, 63 low-income · 1 bd: 60 · 2 bd: 5 · In service since 2003 · For older adults
  • Town Meadow Senior Housing 22 Carmichael St, Essex Junction 05452 48 homes, 40 low-income · For older adults
  • Essex Town Center 4 Carmichael St, Essex Junction 44 homes, 26 low-income · 1 bd: 28 · 2 bd: 16 · In service since 1998 · For families
  • Monarch Apts 203 Pearl St, Essex Junction 30 homes, 26 low-income · 1 bd: 6 · 2 bd: 20 · 3 bd: 4 · In service since 2004 · For families

See all 106 buildings in Chittenden County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Essex Junction

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Chittenden County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Essex Junction

No down payment, repair or rent-help program on our list is for Essex Junction or Chittenden County. The ones below are statewide in Vermont: they work in Essex Junction the same as in the rest of the state.

Which programs do I qualify for? All programs in Vermont

  • VHFA ASSIST

    Statewide in Vermont

    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

    See the program Official page

  • First Generation Homebuyer Grant

    Statewide in Vermont

    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

    See the program Official page

  • Mortgage Credit Certificate (MCC)

    Statewide in Vermont

    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

    See the program Official page

Housing counselors near Essex Junction

The HUD-approved agencies closest to the center of Essex Junction, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Champlain Housing Trust

    88 King St, Burlington · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (802) 861-7394

  • Downstreet Housing and Community Development, Inc.

    22 Keith Ave, Barre · 36 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (802) 477-1331

  • Gilman Housing Trust, Inc. DBA Ruraledge

    1222 Main St, St Johnsbury · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (802) 535-3555

Every agency in Chittenden County All counseling agencies in Vermont

Help in Spanish near Essex Junction

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Essex Junction

In HUD’s record, no housing authority with an office in Chittenden County is named for Essex Junction or Chittenden County.

2 other authorities have an office in Chittenden County: see the list Source: HUD

Cities

Other cities in Chittenden County

These cities are also in Chittenden County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Chittenden County Housing in Vermont

Nearby cities

The cities closest to Essex Junction, with the typical home value.

Neighboring counties

If Chittenden County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Essex Junction.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Essex Junction

Short answers with the numbers for Essex Junction and all of Chittenden County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Essex Junction?

The typical home value in Essex Junction is $407,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chittenden County it is $439,200.

How much does it cost to rent in Essex Junction?

Typical rent in Essex Junction is $1,544 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chittenden County is $2,165.

What is the FHA loan limit in Essex Junction?

Essex Junction uses the FHA limit for all of Chittenden County (2026): $575,000 for a one-unit home and $1,105,800 for a four-unit home.

How much property tax do owners pay in Essex Junction?

The typical homeowner in Essex Junction pays $6,797 a year, according to the U.S. Census Bureau. That is 1.67% of the home’s value; in Chittenden County, the rate is 1.51%.

Where can I find free help to buy or rent in Essex Junction?

There is 1 HUD-approved counseling agency with an office in Chittenden County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).