In St. Albans, a typical home is worth $263,400 and typical rent is $1,150 a month. Compared with all of Franklin County, typical household income is 29% lower, the typical home value is 14% lower, and the share of households that own their home is 28 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $293,475 to $359,660.
Typical rent
$1,799a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Albans is in Franklin 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 Franklin County. See the county
What this place has that others do not, from public data, most unusual first.
1
49% of households in St. Albans own their home, against 77% in Franklin County.
2
The typical household income in St. Albans is $57,980,29% less than in Franklin County as a whole ($81,313).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Albans
What homes there are in St. Albans, 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
St. Albans
Franklin County
Vermont
United States
Kind of home: St. Albans and its comparisons
Measure
St. Albans
Franklin County
Vermont
United States
Detached house
44%
75%
67%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
31%
9%
12%
8%
Apartments (5 or more)
20%
7%
11%
19%
Mobile home
Unreliable estimate
7%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Albans there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%); in Franklin County, 75%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
St. Albans
Franklin County
Vermont
United States
Year built: St. Albans and its comparisons
Measure
St. Albans
Franklin County
Vermont
United States
Before 1960
58%
32%
33%
26%
1960–1979
22%
19%
23%
24%
1980–1999
11%
24%
26%
25%
2000–2009
Unreliable estimate
12%
10%
14%
2010 or later
5%
12%
8%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K16%
$200K–$300K45%
$300K–$500K31%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Albans and its comparisons
Measure
St. Albans
Under $100K
Unreliable estimate
$100K–$200K
16%
$200K–$300K
45%
$300K–$500K
31%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99925%
$1,000–$1,49943%
$1,500–$1,99920%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Albans and its comparisons
Measure
St. Albans
Under $500
Unreliable estimate
$500–$999
25%
$1,000–$1,499
43%
$1,500–$1,999
20%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,908 a month
Franklin County: $1,873 a month
Without a mortgage
$800 a month
Franklin County: $752 a month
Owners with a mortgage
65%
Franklin County: 66%
The typical cost for an owner with a mortgage in St. Albans is $1,908 a month, near the figure in Franklin County ($1,873).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Albans+46%
Franklin County+42%
Vermont+39%
United States+53%
Typical rent
St. Albans+14%
Franklin County+18%
Vermont+25%
United States+33%
Typical household income
St. AlbansNo clear change
Franklin County+24%
Vermont+31%
United States+29%
Change since 2015–2019: St. Albans and its comparisons
Measure
St. Albans
Franklin County
Vermont
United States
Typical home value
+46%
+42%
+39%
+53%
Typical rent
+14%
+18%
+25%
+33%
Typical household income
No clear change
+24%
+31%
+29%
The typical home value in St. Albans rose 46% since 2015–2019, more than in Franklin County (42%).
Rents in St. Albans rose more slowly than in Franklin County: 14% since 2015–2019, against 18%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Albans and its comparisons
Measure
St. Albans
Franklin 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
1.1%
1.6%
3.4%
People per household
2.20
2.51
2.28
2.53
Drive alone
69%
74%
69%
69%
Carpool
12%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
5%
3%
Work from home
12%
14%
17%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in St. Albans are smaller: 2.20 people on average; in Franklin County, 2.51.
In St. Albans, 12% of workers share a car to get to work; in Franklin County, 8%.
Do the math
What would you pay each month for a home in St. Albans?
A typical home costs more than the typical income allows
We start with a typical home in St. Albans, worth $263,400, 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 St. Albans, which is $57,980 a year. For that payment to be 28% of income, a household would need to earn about $100,588 a year.
The calculator's FHA and conventional loan limits are those of all of Franklin 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 St. Albans. 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 $9,219 (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
$2,347
at 7.18% · 30 years
Loan amount
$258,629
Total interest
$372,107
Paid off in
November 2056
Includes $4,448 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,353 a month
Tight
$1,353 to $1,739 a month
Hard
more than $1,739 a month
Your payment · 49%
Compared with the typical household income in St. Albans ($57,980 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,752
Property tax
$369
Home insurance
$110
FHA mortgage insurance (MIP)
$116
You need at least $9,219 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 $2,347; principal and interest $1,752.
The city and its county
St. Albans and Franklin County
St. Albans is in Franklin 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).
St. Albans
Map of Franklin County, Vermont, with St. Albans marked. Around it, the neighboring counties.
St. Albans
Franklin County
St. Albans's own numbers
Typical home value
$263,400
Typical monthly rent
$1,150
Typical yearly household income
$57,980
Households that own their home
49%
Effective property tax rate
1.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Franklin 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)
+66%
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 Franklin County.
A typical home in St. Albans is worth $263,400: 14% below the county and 17% below Vermont. With the typical household income in St. Albans ($57,980 a year), a typical home costs 4.5 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.
St. Albans4.5 years
Franklin3.8 years
Vermont3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Franklin County
According to FHFA’s house price index, home prices in Franklin County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Franklin County.
Yearly change in FHFA’s price index in Franklin County, 2016 to 2025
2016: +1.6% +1.6% 2016
2017: −0.0% −0.0% 2017
2018: +3.9% +3.9% 2018
2019: +3.1% +3.1% 2019
2020: +4.1% +4.1% 2020
2021: +11.0% +11.0% 2021
2022: +16.0% +16.0% 2022
2023: +10.8% +10.8% 2023
2024: +8.5% +8.5% 2024
2025: +7.2% +7.2% 2025
Change in FHFA’s price index in Franklin County, Vermont and the United States
Period
County
Vermont
U.S.
Last year (2025)
+7.2%
+3.6%
+2.9%
5 years (2020–2025)
+66%
+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
St. Albans next to Franklin 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
St. Albans$263,400
Franklin$306,700
Vermont$316,600
United States$332,700
Typical monthly rent
St. Albans$1,150
Franklin$1,180
Vermont$1,234
United States$1,413
Typical yearly household income
St. Albans$57,980
Franklin$81,313
Vermont$81,203
United States$80,734
See the full table
St. Albans next to Franklin County and Vermont
Measure
St. Albans
Franklin County
Vermont
U.S.
Typical home value
$263,400 ▼14% below the county
$306,700
$316,600
$332,700
Typical monthly rent
$1,150 ▼3% below the county
$1,180
$1,234
$1,413
Typical yearly household income
$57,980 ▼29% below the county
$81,313
$81,203
$80,734
Households that own their home
49% ▼28 points below the county
77%
73%
65%
Typical yearly property tax
$4,436 ▲2% above the county
$4,332
$5,039
$3,119
Effective property tax rate
1.68% ▲0.27 points above the county
1.41%
1.59%
0.94%
Renters with high rent for their income
52% ▲3 points above the county
49%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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 St. Albans
For a typical $263,400 home in St. Albans, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Albans's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,347a month
Least cash to close
Down payment
$9,219
Cash to close
$17,121
Rate
7.18%
Mortgage insurance
FHA MIP · $116
Conventional, 5% down$2,299a month
Down payment
$13,170
Cash to close
$21,072
Rate
7.18%
Mortgage insurance
PMI · $125
Conventional, 20% down, no PMI$1,906a month
Down payment
$52,680
Cash to close
$60,582
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,150a month
Down payment
$39,510
Cash to close
$47,412
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Albans
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,347
$9,219
$258,629
7.18%
FHA MIP · $116
$17,121
580
Conventional, 5% down
$2,299
$13,170
$250,230
7.18%
PMI · $125
$21,072
620*
Conventional, 20% down, no PMI
$1,906
$52,680
$210,720
7.18%
None
$60,582
620*
ITIN, 15% down (example)
$2,150
$39,510
$223,890
8.18%
None
$47,412
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 St. Albans is $1,150 a month: 3% below the county. In St. Albans, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Franklin 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Franklin County (Fiscal year 2027)
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 St. Albans
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Albans is in ZIP code 05478.
For 2 bedrooms it is $1,930: $235 less than the fair market rent for Franklin County ($2,165).
Fair market rent by ZIP code and size in St. Albans, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
05478
$1,350
$1,490
$1,930
$2,480
$2,550
ZIP code2 bd3 bd
05478 $1,930$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 St. Albans 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.
We found no HUD-approved agencies with an office in Franklin County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for St. Albans or Franklin County. The ones below are statewide in Vermont: they work in St. Albans 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 St. Albans or Franklin 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 St. Albans and all of Franklin 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 St. Albans?
The typical home value in St. Albans is $263,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $306,700.
How much does it cost to rent in St. Albans?
Typical rent in St. Albans is $1,150 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $2,165.
What is the FHA loan limit in St. Albans?
St. Albans uses the FHA limit for all of Franklin 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 St. Albans?
The typical homeowner in St. Albans pays $4,436 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Franklin County, the rate is 1.41%.
Where can I find free help to buy or rent in St. Albans?
We found no HUD-approved counseling agencies with an office in Franklin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
