Vermont Mortgage Calculator

The Home Price field is pre-filled with Vermont's median home value (about $370,000). Override with your target home's actual price for a property-specific estimate.

The Property Tax Rate is pre-filled with Vermont's average effective rate of 1.90%. Within Vermont, rates vary by county — if you know your specific local rate from your county assessor or last tax bill, override it for a more precise estimate.

The Home Insurance default reflects Vermont's typical annual premium of approximately $900.

Adjust the Down Payment slider to compare scenarios. Below 20% down triggers PMI; the calculator adds it automatically and flags it.

The Vermont median home, in dollar terms. At $370,000 with a 20% down payment, you bring $74,000 to closing (plus closing costs) and take out a $296,000 mortgage. At today's 6.50% 30-year fixed rate, your monthly principal and interest is roughly $1,871.

Vermont's ongoing housing costs. The state's average property tax rate of 1.90% produces about $7,030 per year on a median-priced home — typically paid through escrow with your mortgage. Insurance averages $900/year in Vermont.

Total monthly payment (PITI) on the median Vermont home works out to about $2,532/month at current rates with 20% down and no HOA. Putting less down adds PMI; HOA dues add separately if your specific neighborhood requires them.

Your specific city matters. Median home prices vary widely within Vermont — major cities are usually 30-100% above the state median, rural areas can be well below. For city-specific calculators with local home prices pre-filled, use the city links below.