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City · 5,859 residents · Caledonia County, Vermont

St. Johnsbury , Vermont

In St. Johnsbury, a typical home is worth $174,500 and typical rent is $912 a month. Compared with all of Caledonia County, the typical home value is 23% lower, typical household income is 23% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $174,500

    23% below the county

    45% below Vermont

    • St. Johnsbury
    • Caledonia
    • Vermont

  • Typical rent

    $912a month

    About the same as the county

    26% below Vermont

    • St. Johnsbury
    • Caledonia
    • Vermont

  • Typical household income

    $53,711a year

    23% below the county

    34% below Vermont

    • St. Johnsbury
    • Caledonia
    • Vermont

  • Households that own their home

    54%

    25 points below the county

    19 points below Vermont

    • St. Johnsbury
    • Caledonia
    • Vermont

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

Market now, with Zillow data

Zillow data
Typical home value
$264,156
about the same as 12 months ago

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

St. Johnsbury is in Caledonia 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 Caledonia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Johnsbury apart

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

  1. St. Johnsbury has the lowest typical rent of the 13 cities in Vermont with more than 5,000 people: $912.

  2. St. Johnsbury has the lowest typical home value of the 13 cities in Vermont with more than 5,000 people: $174,500.

  3. 54% of households in St. Johnsbury own their home, against 79% in Caledonia County.

  4. The typical household income in St. Johnsbury is $53,711, 23% less than in Caledonia County as a whole ($69,970).

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

The homes here

Housing in St. Johnsbury

What homes there are in St. Johnsbury, 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

Homes in St. Johnsbury are varied: detached houses are the largest group, at 49%, against 75% in Caledonia County.

Year built

In St. Johnsbury, at least half of the homes were built before 1940, and 69% date from before 1960.

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

At least 99% of owner-occupied homes in St. Johnsbury are worth less than $500,000, below the FHA loan limit for Caledonia County ($541,287).

Monthly rent with utilities

With a mortgage

$1,425 a month

Caledonia County: $1,605 a month

Without a mortgage

$694 a month

Caledonia County: $698 a month

Owners with a mortgage

62%

Caledonia County: 54%

The typical cost for an owner with a mortgage in St. Johnsbury is $1,425 a month, less than in Caledonia County ($1,605); without one, $694.

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 typical home value in St. Johnsbury rose 25% since 2015–2019, less than in Caledonia County (35%).

Since 2015–2019, the typical rent in St. Johnsbury rose 21%, more than in Caledonia County (17%).

Income in St. Johnsbury grew faster than housing: it rose 42%, while home values changed +25% and rent +21%.

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

MeasureSt. JohnsburyCaledonia 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 estimate1.7%1.6%3.4%
People per household 2.082.262.282.53
Drive alone 69%70%69%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 18%15%17%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.08 on average, against 2.26 in Caledonia County.

The car rules in St. Johnsbury: 69% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 St. Johnsbury?

A typical home costs more than the typical income allows

We start with a typical home in St. Johnsbury, worth $174,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in St. Johnsbury, which is $53,711 a year. For that payment to be 28% of income, a household would need to earn about $69,692 a year.

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

Your numbers

Local data
$

Starts at the typical home value in St. Johnsbury. 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 $6,108 (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

$1,626

at 7.18% · 30 years

Loan amount
$171,339
Total interest
$246,516
Paid off in
November 2056

Includes $2,947 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,253 a month

  • Tight

    $1,253 to $1,611 a month

  • Hard

    more than $1,611 a month

    Your payment · 36%

Compared with the typical household income in St. Johnsbury ($53,711 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,626
Principal & interest$1,161
Property tax$316
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,108 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

St. Johnsbury and Caledonia County

St. Johnsbury is in Caledonia 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. Johnsbury's own numbers

Typical home value
$174,500
Typical monthly rent
$912
Typical yearly household income
$53,711
Households that own their home
54%
Effective property tax rate
2.17%

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

Numbers for all of Caledonia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,327
Price change over 5 years (FHFA)
+68%

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 Caledonia County.

Everything about Caledonia County

Buying

Buying a home in St. Johnsbury

A typical home in St. Johnsbury is worth $174,500: 23% below the county and 45% below Vermont. With the typical household income in St. Johnsbury ($53,711 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.

  • St. Johnsbury 3.2 years
  • Caledonia 3.3 years
  • Vermont 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Caledonia County

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

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

Period County Vermont U.S.
Last year (2025) +2.6% +3.6% +2.9%
5 years (2020–2025) +68% +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. Johnsbury next to Caledonia 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. Johnsbury $174,500
  • Caledonia $227,900
  • Vermont $316,600
  • United States $332,700
Typical monthly rent
  • St. Johnsbury $912
  • Caledonia $920
  • Vermont $1,234
  • United States $1,413
Typical yearly household income
  • St. Johnsbury $53,711
  • Caledonia $69,970
  • Vermont $81,203
  • United States $80,734
See the full table
St. Johnsbury next to Caledonia County and Vermont
Measure St. Johnsbury Caledonia County Vermont U.S.
Typical home value $174,500 $227,900 $316,600 $332,700
Typical monthly rent $912 $920 $1,234 $1,413
Typical yearly household income $53,711 $69,970 $81,203 $80,734
Households that own their home 54% 79% 73% 65%
Typical yearly property tax $3,778 $4,022 $5,039 $3,119
Effective property tax rate 2.17% 1.76% 1.59% 0.94%
Renters with high rent for their income 48% 48% 48% 51%

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

For a typical $174,500 home in St. Johnsbury, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Johnsbury's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,626a month

    Least cash to close
    Down payment
    $6,108
    Cash to close
    $11,343
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,594a month

    Down payment
    $8,725
    Cash to close
    $13,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,334a month

    Down payment
    $34,900
    Cash to close
    $40,135
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,495a month

    Down payment
    $26,175
    Cash to close
    $31,410
    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 St. Johnsbury and for Caledonia County.

Property tax

Effective rate in St. Johnsbury

2.17%of the home’s value each year

$3,778 a year for the typical owner in St. Johnsbury.

  • St. Johnsbury 2.17%
  • Caledonia 1.76%
  • 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 Caledonia County

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

FEMA’s maps count no homes in the high-risk zone in Caledonia 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 St. Johnsbury

Typical rent in St. Johnsbury is $912 a month: about the same as the county. In St. Johnsbury, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Caledonia County, by unit size. To pay the 2-bedroom one ($1,327 a month) without spending more than 30% of your income, you would need to earn $25.52 an hour working full time.

HUD fair market rent for all of Caledonia 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 $1,154 $22.19 $46,160
1 bedroom $1,161 $22.33 $46,440
2 bedrooms $1,327 $25.52 $53,080
3 bedrooms $1,837 $35.33 $73,480
4 bedrooms $2,218 $42.65 $88,720

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. Johnsbury

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Johnsbury is in ZIP code 05819.

For 2 bedrooms it is $1,280: $47 less than the fair market rent for Caledonia County ($1,327).

  • 05819 $1,280$1,770

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. Johnsbury 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 St. Johnsbury

HUD lists 8 buildings with rents for lower incomes in St. Johnsbury. These are the largest.

  • Mountainview ST Jay 196 Mountain View Dr, St Johnsbury 48 low-income homes · 1 bd: 16 · 2 bd: 32 · In service since 2005 · For families
  • ST Johnsbury House 1207 Main St, St Johnsbury 39 low-income homes · 1 bd: 39 · In service since 2001 · For older adults
  • Caledonia HP Phase II 78 Hastings Hl, St Johnsbury 32 homes, 28 low-income · Studio: 1 · 1 bd: 4 · 2 bd: 8 · 3 bd: 12 · 4 bd: 7 · In service since 1995 · For families
  • ST Johnsbury HP Phase II 426 Summer St, St Johnsbury 32 homes, 28 low-income · Studio: 1 · 1 bd: 4 · 2 bd: 8 · 3 bd: 12 · 4 bd: 7 · In service since 1996 · For families
  • Moose River 195 Moose River Dr, St Johnsbury 28 low-income homes · 1 bd: 8 · 2 bd: 12 · 3 bd: 5 · 4 bd: 3 · In service since 2003 · For families

See all 27 buildings in Caledonia County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in St. Johnsbury

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 Caledonia County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in St. Johnsbury

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

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

  • Gilman Housing Trust, Inc. DBA Ruraledge

    1222 Main St, St Johnsbury · 1 miles away

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

  • Downstreet Housing and Community Development, Inc.

    22 Keith Ave, Barre · 29 miles away

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

  • Champlain Housing Trust

    88 King St, Burlington · 60 miles away

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

Every agency in Caledonia County All counseling agencies in Vermont

Help in Spanish near St. Johnsbury

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 St. Johnsbury

HUD lists no housing authority with an office in Caledonia 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 St. Johnsbury, with the typical home value.

Everything about Caledonia County Housing in Vermont

Neighboring counties

If Caledonia 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 St. Johnsbury.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about St. Johnsbury

Short answers with the numbers for St. Johnsbury and all of Caledonia 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. Johnsbury?

The typical home value in St. Johnsbury is $174,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Caledonia County it is $227,900.

How much does it cost to rent in St. Johnsbury?

Typical rent in St. Johnsbury is $912 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Caledonia County is $1,327.

What is the FHA loan limit in St. Johnsbury?

St. Johnsbury uses the FHA limit for all of Caledonia 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 St. Johnsbury?

The typical homeowner in St. Johnsbury pays $3,778 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Caledonia County, the rate is 1.76%.

Where can I find free help to buy or rent in St. Johnsbury?

There is 1 HUD-approved counseling agency with an office in Caledonia 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).