Vermont Mortgage Calculator 2026
Vermont has seen significant housing demand from remote workers and lifestyle buyers attracted to its natural beauty and quality of life. The state has high property taxes (1.90%) and high income taxes, but Burlington has emerged as a surprisingly dynamic small city with a strong tech and healthcare sector.
Calculate Your Vermont Mortgage Payment
Pre-filled with Vermont averages — adjust any value to match your situation.
= $76,000 down
Estimated Monthly Payment Breakdown
Based on $380,000 home price, 20% down, 30-year fixed at 7.25%.
Vermont Property Taxes & Income Tax
Vermont's 1.90% property tax rate is above the national average. The state offers a Homestead Declaration that provides some property tax relief for primary residences. Vermont's income tax tops out at 8.75% for high earners. The combined tax burden is significant.
Vermont Homeowners Insurance
Vermont's insurance costs are moderate at $900–$1,300/year. The state faces winter storm risk including heavy snowfall, ice storms, and nor'easters. Flooding is a concern in some areas — Tropical Storm Irene (2011) caused significant damage. Budget $75–$110/month.
Vermont Housing Market Overview
Burlington has seen strong appreciation driven by the University of Vermont, a growing tech sector, and remote workers from Boston and New York. The state's tight housing inventory (one of the lowest per capita in the nation) has kept prices elevated. Vermont has significant USDA-eligible rural areas. Ski resort communities (Stowe, Killington) are premium second-home markets.
Frequently Asked Questions
What is the average mortgage payment in Vermont?
Based on Vermont's median home price of $380,000, a 20% down payment, and a 30-year fixed rate of 7.25%, the estimated total monthly payment (PITI) is approximately $2,767/month.
What is the conforming loan limit in Vermont?
The conforming loan limit in Vermont is $766,550. Loans above this amount are jumbo loans requiring stronger credit and larger down payments.
Can I get a USDA loan in Vermont?
Yes — Vermont has USDA-eligible rural areas where qualifying buyers can purchase a home with zero down payment. Use the USDA eligibility map to check specific addresses.
Are VA loans available in Vermont?
Yes — eligible veterans, active-duty service members, and surviving spouses can use VA loans in Vermont with no down payment and no PMI. The VA loan limit in Vermont is $766,550.
Vermont Loan Limits
Vermont Homebuyer Programs
Below-market interest rate mortgages with optional down payment assistance for qualifying homebuyers in Vermont.
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