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City · 6,499 residents · Chittenden County, Vermont

Shelburne , Vermont

In Shelburne, a typical home is worth $553,200 and typical rent is $1,439 a month. Compared with all of Chittenden County, the typical home value is 26% higher and typical household income is 13% higher.

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  • Typical home value

    $553,200

    26% above the county

    75% above Vermont

    • Shelburne
    • Chittenden
    • Vermont

  • Typical rent

    $1,439a month

    13% below the county

    17% above Vermont

    • Shelburne
    • Chittenden
    • Vermont

  • Typical household income

    $109,583a year

    13% above the county

    35% above Vermont

    • Shelburne
    • Chittenden
    • Vermont

  • Households that own their home

    65%

    1 points above the county

    8 points below Vermont

    • Shelburne
    • Chittenden
    • Vermont

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

Market now, with Zillow data

Zillow data
Typical home value
$672,055
about the same as 12 months ago

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

Shelburne 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 Shelburne apart

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

  1. Shelburne has the highest homeownership rate of the 13 cities in Vermont with more than 5,000 people: 65%.

  2. Shelburne has the highest typical household income of the 13 cities in Vermont with more than 5,000 people: $109,583.

  3. Shelburne has the highest typical home value of the 13 cities in Vermont with more than 5,000 people: $553,200.

  4. Nearby, in Winooski, the typical home value is $381,500: 31% less than in Shelburne ($553,200).

  5. Nearby, in Middlebury, the typical rent is $1,201: 17% less than in Shelburne ($1,439).

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

The homes here

Housing in Shelburne

What homes there are in Shelburne, 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 Shelburne, 6 in 10 homes are single-family detached houses; in Chittenden County, 5.

Year built

Homes in Shelburne are newer: the typical year built is 1988; 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

$2,501 a month

Chittenden County: $2,268 a month

Without a mortgage

$1,238 a month

Chittenden County: $974 a month

Owners with a mortgage

66%

Chittenden County: 67%

Owning costs more in Shelburne: with a mortgage, the typical cost is $2,501 a month; in Chittenden County, $2,268. Without one, $1,238.

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

The Census does not compare Shelburne with 2015–2019 because its boundaries changed. In Chittenden County, over that time, the typical home value rose 47%.

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

MeasureShelburneChittenden 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 2.222.232.282.53
Drive alone 67%62%69%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate8%5%3%
Work from home 25%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 Shelburne has 2.22 people on average.

In Shelburne, 25% of workers work from home, more than in Chittenden County (20%).

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 Shelburne?

A typical home costs more than the typical income allows

We start with a typical home in Shelburne, worth $553,200, 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 Shelburne, which is $109,583 a year. For that payment to be 28% of income, a household would need to earn about $203,948 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 Shelburne. 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 $19,362 (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

$4,759

at 7.18% · 30 years

Loan amount
$543,180
Total interest
$781,509
Paid off in
November 2056

Includes $9,342 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,557 a month

  • Tight

    $2,557 to $3,287 a month

  • Hard

    more than $3,287 a month

    Your payment · 52%

Compared with the typical household income in Shelburne ($109,583 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,759
Principal & interest$3,680
Property tax$604
Home insurance$231
FHA mortgage insurance (MIP)$245

You need at least $19,362 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

Shelburne and Chittenden County

Shelburne 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).

Shelburne's own numbers

Typical home value
$553,200
Typical monthly rent
$1,439
Typical yearly household income
$109,583
Households that own their home
65%
Effective property tax rate
1.31%

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 Shelburne

A typical home in Shelburne is worth $553,200: 26% above the county and 75% above Vermont. With the typical household income in Shelburne ($109,583 a year), a typical home costs 5.0 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.

  • Shelburne 5.0 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

Shelburne 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
  • Shelburne $553,200
  • Chittenden $439,200
  • Vermont $316,600
  • United States $332,700
Typical monthly rent
  • Shelburne $1,439
  • Chittenden $1,646
  • Vermont $1,234
  • United States $1,413
Typical yearly household income
  • Shelburne $109,583
  • Chittenden $96,759
  • Vermont $81,203
  • United States $80,734
See the full table
Shelburne next to Chittenden County and Vermont
Measure Shelburne Chittenden County Vermont U.S.
Typical home value $553,200 $439,200 $316,600 $332,700
Typical monthly rent $1,439 $1,646 $1,234 $1,413
Typical yearly household income $109,583 $96,759 $81,203 $80,734
Households that own their home 65% 64% 73% 65%
Typical yearly property tax $7,231 $6,617 $5,039 $3,119
Effective property tax rate 1.31% 1.51% 1.59% 0.94%
Renters with high rent for their income 45% 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 Shelburne

For a typical $553,200 home in Shelburne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shelburne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,759a month

    Least cash to close
    Down payment
    $19,362
    Cash to close
    $35,958
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $245

  • Conventional, 5% down $4,657a month

    Down payment
    $27,660
    Cash to close
    $44,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $263

  • Conventional, 20% down, no PMI $3,832a month

    Down payment
    $110,640
    Cash to close
    $127,236
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,344a month

    Down payment
    $82,980
    Cash to close
    $99,576
    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 Shelburne and for Chittenden County.

Property tax

Effective rate in Shelburne

1.31%of the home’s value each year

$7,231 a year for the typical owner in Shelburne.

  • Shelburne 1.31%
  • 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 Shelburne

Typical rent in Shelburne is $1,439 a month: 13% below the county. In Shelburne, 45% 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 Shelburne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shelburne is in ZIP code 05482.

For 2 bedrooms it is $1,940: $225 less than the fair market rent for Chittenden County ($2,165).

  • 05482 $1,940$2,480

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

HUD lists 3 buildings with rents for lower incomes in Shelburne. These are the largest.

  • Harrington Village 110 Harrington Ave, Shelburne 42 homes, 36 low-income · 1 bd: 10 · 2 bd: 29 · 3 bd: 3 · In service since 2014 · For families
  • Wright House 75 Harrington Ave, Shelburne 36 homes, 33 low-income · 1 bd: 36 · In service since 2014 · For older adults
  • Shelburne Interfairth Housing 90 Ockert Ln, Shelburne 20 homes, 16 low-income · 1 bd: 6 · 2 bd: 12 · 3 bd: 2 · 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 Shelburne

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Shelburne

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

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

  • Champlain Housing Trust

    88 King St, Burlington · 6 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 · 38 miles away

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

  • Neighborworks of Western Vermont

    27 Wales St, Rutland · 55 miles away

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

Every agency in Chittenden County All counseling agencies in Vermont

Help in Spanish near Shelburne

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 Shelburne

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

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Shelburne

Short answers with the numbers for Shelburne 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 Shelburne?

The typical home value in Shelburne is $553,200, 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 Shelburne?

Typical rent in Shelburne is $1,439 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 Shelburne?

Shelburne 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 Shelburne?

The typical homeowner in Shelburne pays $7,231 a year, according to the U.S. Census Bureau. That is 1.31% of the home’s value; in Chittenden County, the rate is 1.51%.

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

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).