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City · 7,220 residents · Addison County, Vermont

Middlebury , Vermont

In Middlebury, a typical home is worth $417,400 and typical rent is $1,201 a month. Compared with all of Addison County, the typical home value is 16% higher and the share of households that own their home is 22 points lower.

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  • Typical home value

    $417,400

    16% above the county

    32% above Vermont

    • Middlebury
    • Addison
    • Vermont

  • Typical rent

    $1,201a month

    2% above the county

    3% below Vermont

    • Middlebury
    • Addison
    • Vermont

  • Typical household income

    $86,250a year

    4% below the county

    6% above Vermont

    • Middlebury
    • Addison
    • Vermont

  • Households that own their home

    57%

    22 points below the county

    16 points below Vermont

    • Middlebury
    • Addison
    • Vermont

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

Market now, with Zillow data

Zillow data
Typical home value
$446,131
1.1% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Middlebury is in Addison County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Addison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Middlebury apart

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

  1. Nearby, in Rutland, the typical home value is $185,500: 56% less than in Middlebury ($417,400).

  2. 57% of households in Middlebury own their home, against 79% in Addison County.

  3. Nearby, in Rutland, the typical rent is $995: 17% less than in Middlebury ($1,201).

  4. The typical home in Middlebury is worth $417,400, 16% more than in Addison County as a whole ($361,200).

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

The homes here

Housing in Middlebury

What homes there are in Middlebury, 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 Middlebury there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%); in Addison County, 77%.

Year built

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

$2,122 a month

Addison County: $2,024 a month

Without a mortgage

$1,026 a month

Addison County: $826 a month

Owners with a mortgage

54%

Addison County: 61%

The typical cost for an owner with a mortgage in Middlebury is $2,122 a month, near the figure in Addison County ($2,024).

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

Since 2015–2019, homes in Middlebury gained value faster than in Addison County: 54% against 45%.

The typical rent in Middlebury rose 19% over the same time; in Addison County, it rose 14%.

While home values in Middlebury changed +54% and rent +19%, the typical household income rose 54%.

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

MeasureMiddleburyAddison 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 estimate1.3%1.6%3.4%
People per household 2.042.302.282.53
Drive alone 46%67%69%69%
Carpool 7%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 28%7%5%3%
Work from home 19%17%17%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Middlebury are smaller: 2.04 people on average; in Addison County, 2.30.

In Middlebury, 28% of workers walk or bike to work; in Addison County, 7%.

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 Middlebury?

A typical home costs more than the typical income allows

We start with a typical home in Middlebury, worth $417,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Middlebury, which is $86,250 a year. For that payment to be 28% of income, a household would need to earn about $158,653 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Middlebury. 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 $14,609 (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

$3,702

at 7.18% · 30 years

Loan amount
$409,840
Total interest
$589,663
Paid off in
November 2056

Includes $7,049 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,013 a month

  • Tight

    $2,013 to $2,588 a month

  • Hard

    more than $2,588 a month

    Your payment · 52%

Compared with the typical household income in Middlebury ($86,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,702
Principal & interest$2,776
Property tax$567
Home insurance$174
FHA mortgage insurance (MIP)$185

You need at least $14,609 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

Middlebury and Addison County

Middlebury is in Addison 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).

Middlebury's own numbers

Typical home value
$417,400
Typical monthly rent
$1,201
Typical yearly household income
$86,250
Households that own their home
57%
Effective property tax rate
1.63%

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

Numbers for all of Addison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,636
Price change over 5 years (FHFA)
+63%

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 Addison County.

Everything about Addison County

Buying

Buying a home in Middlebury

A typical home in Middlebury is worth $417,400: 16% above the county and 32% above Vermont. With the typical household income in Middlebury ($86,250 a year), a typical home costs 4.8 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.

  • Middlebury 4.8 years
  • Addison 4.0 years
  • Vermont 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Addison County

According to FHFA’s house price index, home prices in Addison County rose 87% in the 10 years through 2025.

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

Period County Vermont U.S.
Last year (2025) +5.1% +3.6% +2.9%
5 years (2020–2025) +63% +64% +47%
10 years (2015–2025) +87% +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

Middlebury next to Addison 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
  • Middlebury $417,400
  • Addison $361,200
  • Vermont $316,600
  • United States $332,700
Typical monthly rent
  • Middlebury $1,201
  • Addison $1,177
  • Vermont $1,234
  • United States $1,413
Typical yearly household income
  • Middlebury $86,250
  • Addison $89,639
  • Vermont $81,203
  • United States $80,734
See the full table
Middlebury next to Addison County and Vermont
Measure Middlebury Addison County Vermont U.S.
Typical home value $417,400 $361,200 $316,600 $332,700
Typical monthly rent $1,201 $1,177 $1,234 $1,413
Typical yearly household income $86,250 $89,639 $81,203 $80,734
Households that own their home 57% 79% 73% 65%
Typical yearly property tax $6,795 $5,690 $5,039 $3,119
Effective property tax rate 1.63% 1.58% 1.59% 0.94%
Renters with high rent for their income 57% 46% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Addison 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 Middlebury

For a typical $417,400 home in Middlebury, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middlebury's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,702a month

    Least cash to close
    Down payment
    $14,609
    Cash to close
    $27,131
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $185

  • Conventional, 5% down $3,625a month

    Down payment
    $20,870
    Cash to close
    $33,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $198

  • Conventional, 20% down, no PMI $3,003a month

    Down payment
    $83,480
    Cash to close
    $96,002
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,389a month

    Down payment
    $62,610
    Cash to close
    $75,132
    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 Middlebury and for Addison County.

Property tax

Effective rate in Middlebury

1.63%of the home’s value each year

$6,795 a year for the typical owner in Middlebury.

  • Middlebury 1.63%
  • Addison 1.58%
  • 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 Addison County

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

FEMA’s maps count no homes in the high-risk zone in Addison County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Middlebury

Typical rent in Middlebury is $1,201 a month: 2% above the county. In Middlebury, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Addison County, by unit size. To pay the 2-bedroom one ($1,636 a month) without spending more than 30% of your income, you would need to earn $31.46 an hour working full time.

HUD fair market rent for all of Addison 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 $1,139 $21.90 $45,560
1 bedroom $1,293 $24.87 $51,720
2 bedrooms $1,636 $31.46 $65,440
3 bedrooms $1,954 $37.58 $78,160
4 bedrooms $2,734 $52.58 $109,360

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 Middlebury

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middlebury is in ZIP code 05753.

For 2 bedrooms it is $1,660: $24 more than the fair market rent for Addison County ($1,636).

  • 05753 $1,660$1,980

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Middlebury 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 Middlebury

HUD lists 13 buildings with rents for lower incomes in Middlebury. These are the largest.

  • The Meadows 20 Washington St, Middlebury 05753 40 low-income homes · For older adults
  • Middlebury South Village 30 S Village Grn, Middlebury 30 homes, 25 low-income · 1 bd: 13 · 2 bd: 14 · 3 bd: 3 · In service since 2007 · For families
  • Pine Meadow Redevelopment 9 Jackson Ln, Middlebury 30 homes, 25 low-income · 1 bd: 2 · 2 bd: 19 · 3 bd: 9 · In service since 2008 · For families
  • Stone Hill 428 Court St, Middlebury 26 homes, 22 low-income · 1 bd: 11 · 2 bd: 13 · 3 bd: 2 · In service since 2006 · For families
  • North Pleasant/Seymour 29 1/2 N Pleasant St, Middlebury 24 homes, 22 low-income · 1 bd: 7 · 2 bd: 13 · 3 bd: 3 · 4 bd: 1 · In service since 1998 · For families

See all 25 buildings in Addison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Middlebury

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.

We found no HUD-approved agencies with an office in Addison County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Middlebury

No down payment, repair or rent-help program on our list is for Middlebury or Addison County. The ones below are statewide in Vermont: they work in Middlebury 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 Middlebury

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

  • Neighborworks of Western Vermont

    27 Wales St, Rutland · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (802) 438-2303

  • Bennington-Rutland Opportunity Council, Inc. (BROC)

    45 Union St, Rutland · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (802) 665-1704

  • Champlain Housing Trust

    88 King St, Burlington · 32 miles away

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

All counseling agencies in Vermont

Help in Spanish near Middlebury

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 Middlebury

HUD lists no housing authority with an office in Addison County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Vermont Source: HUD

Cities

Nearby cities

The cities closest to Middlebury, with the typical home value.

Everything about Addison County Housing in Vermont

Neighboring counties

If Addison 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 Middlebury.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Middlebury

Short answers with the numbers for Middlebury and all of Addison 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 Middlebury?

The typical home value in Middlebury is $417,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Addison County it is $361,200.

How much does it cost to rent in Middlebury?

Typical rent in Middlebury is $1,201 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Addison County is $1,636.

What is the FHA loan limit in Middlebury?

Middlebury uses the FHA limit for all of Addison County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Middlebury?

The typical homeowner in Middlebury pays $6,795 a year, according to the U.S. Census Bureau. That is 1.63% of the home’s value; in Addison County, the rate is 1.58%.

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

We found no HUD-approved counseling agencies with an office in Addison County; the nearest ones are on this page. 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).