Vermont Mortgage Rates & Home Prices (2026)
Median price: $365,000 · Avg. rate: 6.86%
Vermont Market Overview
$365,000
Median Home Price
6.86%
Avg. 30-Yr Rate
1.90%
Property Tax Rate
72.6%
Homeownership Rate
Vermont's housing supply is extremely limited, driving prices up despite modest demand. The state has high property taxes and heating costs that impact total housing expense. VHFA offers up to $15,000 in DPA through the ASSIST program.
Estimated Monthly Payment
Median home in Vermont (20% down, 30-yr fixed)
$2,645/mo
Principal & Interest$1,915
Property Taxes$578
Home Insurance (est.)$152
Total Monthly (PITI)$2,645
Based on a $365,000 home with 20% down ($292,000 loan) at 6.86%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Vermont
- VHFA MOVE Program
- ASSIST DPA
- VHFA Advantage Program
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: VT Rates
30-Year Fixed6.86%
15-Year Fixed6.09%
5/1 ARM (est.)6.11%
FHA 30-Year6.71%
VA 30-Year6.61%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: VT
FHA Loan Limit$472,030
Median Income$69,543
Cost Index1.08x