In Rutland, a typical home is worth $185,500 and typical rent is $995 a month. Compared with all of Rutland County, the typical home value is 19% lower, typical household income is 16% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $225,734 to $286,200.
Typical rent
$1,508a month
Typical rent from Zillow, June 2026 to September 2026: from $1,584 to $1,508.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rutland is in Rutland 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 Rutland County. See the county
What this place has that others do not, from public data, most unusual first.
1
55% of households in Rutland own their home, against 75% in Rutland County.
2
The typical home in Rutland is worth $185,500,19% less than in Rutland County as a whole ($229,400).
3
The typical household income in Rutland is $57,675,16% less than in Rutland County as a whole ($68,616).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rutland
What homes there are in Rutland, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rutland
Rutland County
Vermont
United States
Kind of home: Rutland and its comparisons
Measure
Rutland
Rutland County
Vermont
United States
Detached house
49%
69%
67%
61%
Attached house
Unreliable estimate
1%
4%
6%
Building of 2 to 4
29%
14%
12%
8%
Apartments (5 or more)
18%
11%
11%
19%
Mobile home
Unreliable estimate
6%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Rutland; the largest group, detached houses, adds up to 49%, less than in Rutland County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Rutland
Rutland County
Vermont
United States
Year built: Rutland and its comparisons
Measure
Rutland
Rutland County
Vermont
United States
Before 1960
64%
41%
33%
26%
1960–1979
20%
26%
23%
24%
1980–1999
9%
24%
26%
25%
2000–2009
4%
6%
10%
14%
2010 or later
3%
4%
8%
11%
Old homes abound here: at least half date from before 1940, and 64% were built before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K10%
$100K–$200K45%
$200K–$300K25%
$300K–$500K17%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rutland and its comparisons
Measure
Rutland
Under $100K
10%
$100K–$200K
45%
$200K–$300K
25%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 97% of owner-occupied homes in Rutland sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99939%
$1,000–$1,49934%
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rutland and its comparisons
Measure
Rutland
Under $500
Unreliable estimate
$500–$999
39%
$1,000–$1,499
34%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,638 a month
Rutland County: $1,666 a month
Without a mortgage
$814 a month
Rutland County: $769 a month
Owners with a mortgage
57%
Rutland County: 55%
The typical cost for an owner with a mortgage in Rutland is $1,638 a month, near the figure in Rutland County ($1,666).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rutland+21%
Rutland County+29%
Vermont+39%
United States+53%
Typical rent
Rutland+28%
Rutland County+21%
Vermont+25%
United States+33%
Typical household income
RutlandNo clear change
Rutland County+22%
Vermont+31%
United States+29%
Change since 2015–2019: Rutland and its comparisons
Measure
Rutland
Rutland County
Vermont
United States
Typical home value
+21%
+29%
+39%
+53%
Typical rent
+28%
+21%
+25%
+33%
Typical household income
No clear change
+22%
+31%
+29%
The typical home value in Rutland rose 21% since 2015–2019, less than in Rutland County (29%).
Since 2015–2019, the typical rent in Rutland rose 28%, more than in Rutland County (21%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rutland and its comparisons
Measure
Rutland
Rutland County
Vermont
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
2.4%
1.6%
3.4%
People per household
2.02
2.31
2.28
2.53
Drive alone
80%
79%
69%
69%
Carpool
7%
6%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
8%
11%
17%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Rutland has 2.02 people, fewer than in Rutland County (2.31).
The car rules in Rutland: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Rutland?
A typical home costs more than the typical income allows
We start with a typical home in Rutland, worth $185,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Rutland, which is $57,675 a year. For that payment to be 28% of income, a household would need to earn about $76,338 a year.
The calculator's FHA and conventional loan limits are those of all of Rutland County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rutland. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,493 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,781
at 7.18% · 30 years
Loan amount
$182,140
Total interest
$262,056
Paid off in
November 2056
Includes $3,133 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,346 a month
Tight
$1,346 to $1,730 a month
Hard
more than $1,730 a month
Your payment · 37%
Compared with the typical household income in Rutland ($57,675 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,234
Property tax
$388
Home insurance
$77
FHA mortgage insurance (MIP)
$82
You need at least $6,493 for the down payment, plus closing costs.
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.
Total monthly payment $1,781; principal and interest $1,234.
The city and its county
Rutland and Rutland County
Rutland is in Rutland 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).
Rutland
Map of Rutland County, Vermont, with Rutland marked. Around it, the neighboring counties.
Rutland
Rutland County
Rutland's own numbers
Typical home value
$185,500
Typical monthly rent
$995
Typical yearly household income
$57,675
Households that own their home
55%
Effective property tax rate
2.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Rutland County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,541
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
3.2%
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 Rutland County.
A typical home in Rutland is worth $185,500: 19% below the county and 41% below Vermont. With the typical household income in Rutland ($57,675 a year), a typical home costs 3.2 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.
Rutland3.2 years
County3.3 years
Vermont3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Rutland County
According to FHFA’s house price index, home prices in Rutland County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Rutland County.
Yearly change in FHFA’s price index in Rutland County, 2016 to 2025
2016: +1.2% +1.2% 2016
2017: +0.8% +0.8% 2017
2018: +4.1% +4.1% 2018
2019: +2.5% +2.5% 2019
2020: +4.6% +4.6% 2020
2021: +13.7% +13.7% 2021
2022: +16.5% +16.5% 2022
2023: +12.8% +12.8% 2023
2024: +11.5% +11.5% 2024
2025: +0.0% +0.0% 2025
Change in FHFA’s price index in Rutland County, Vermont and the United States
Period
County
Vermont
U.S.
Last year (2025)
+0.0%
+3.6%
+2.9%
5 years (2020–2025)
+67%
+64%
+47%
10 years (2015–2025)
+90%
+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
Rutland next to Rutland 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
Rutland$185,500
County$229,400
Vermont$316,600
United States$332,700
Typical monthly rent
Rutland$995
County$1,000
Vermont$1,234
United States$1,413
Typical yearly household income
Rutland$57,675
County$68,616
Vermont$81,203
United States$80,734
See the full table
Rutland next to Rutland County and Vermont
Measure
Rutland
Rutland County
Vermont
U.S.
Typical home value
$185,500 ▼19% below the county
$229,400
$316,600
$332,700
Typical monthly rent
$995
$1,000
$1,234
$1,413
Typical yearly household income
$57,675 ▼16% below the county
$68,616
$81,203
$80,734
Households that own their home
55% ▼20 points below the county
75%
73%
65%
Typical yearly property tax
$4,657 ▲12% above the county
$4,154
$5,039
$3,119
Effective property tax rate
2.51% ▲0.7 points above the county
1.81%
1.59%
0.94%
Renters with high rent for their income
52% ▲1 points above the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rutland 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 Rutland
For a typical $185,500 home in Rutland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rutland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,781a month
Least cash to close
Down payment
$6,493
Cash to close
$12,058
Rate
7.18%
Mortgage insurance
FHA MIP · $82
Conventional, 5% down$1,747a month
Down payment
$9,275
Cash to close
$14,840
Rate
7.18%
Mortgage insurance
PMI · $88
Conventional, 20% down, no PMI$1,471a month
Down payment
$37,100
Cash to close
$42,665
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,642a month
Down payment
$27,825
Cash to close
$33,390
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rutland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,781
$6,493
$182,140
7.18%
FHA MIP · $82
$12,058
580
Conventional, 5% down
$1,747
$9,275
$176,225
7.18%
PMI · $88
$14,840
620*
Conventional, 20% down, no PMI
$1,471
$37,100
$148,400
7.18%
None
$42,665
620*
ITIN, 15% down (example)
$1,642
$27,825
$157,675
8.18%
None
$33,390
Set by the lender
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.
Typical rent in Rutland is $995 a month: about the same as the county. In Rutland, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Rutland County, by unit size. To pay the 2-bedroom one ($1,541 a month) without spending more than 30% of your income, you would need to earn $29.63 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Rutland County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,170
$22.50
$46,800
1 bedroom
$1,178
$22.65
$47,120
2 bedrooms
$1,541
$29.63
$61,640
3 bedrooms
$1,836
$35.31
$73,440
4 bedrooms
$2,149
$41.33
$85,960
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 Rutland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rutland is in ZIP code 05701.
For 2 bedrooms it is $1,510: $31 less than the fair market rent for Rutland County ($1,541).
Fair market rent by ZIP code and size in Rutland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
05701
$1,150
$1,150
$1,510
$1,800
$2,110
ZIP code2 bd3 bd
05701 $1,510$1,800
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rutland 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 are 2 HUD-approved agencies with an office in Rutland County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Rutland or Rutland County. The ones below are statewide in Vermont: they work in Rutland the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Rutland or Rutland County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rutland and all of Rutland 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 Rutland?
The typical home value in Rutland is $185,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rutland County it is $229,400.
How much does it cost to rent in Rutland?
Typical rent in Rutland is $995 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rutland County is $1,541.
What is the FHA loan limit in Rutland?
Rutland uses the FHA limit for all of Rutland 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 Rutland?
The typical homeowner in Rutland pays $4,657 a year, according to the U.S. Census Bureau. That is 2.51% of the home’s value; in Rutland County, the rate is 1.81%.
Where can I find free help to buy or rent in Rutland?
There are 2 HUD-approved counseling agencies with an office in Rutland County. They can help you get ready to buy, with your credit, or with rent.
