Calculate your monthly mortgage payment in Vermont. Pre-filled with Vermont's median home price of $380,000 and an average property tax rate of 1.9%.
Est. Monthly Payment
$2,994
Principal & Interest
$2,234
Property Tax / mo
$602
Total Interest Paid
$462,291
| Home Price | $380,000 | Median home price in Vermont (2025) |
| Down Payment | 10% ($38,000) | Typical down payment percentage |
| Loan Amount | $342,000 | Home price minus down payment |
| Interest Rate | 6.82% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 1.9% / year | Vermont average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
VHFA MOVE, MOVE MCC, HOME DPA
Cost of living: High · Population: 643,077
Vermont has a median home price of approximately $380,000, placing it above the national median. With a 10% down payment of $38,000, a typical buyer would finance $342,000 over 30 years. At a 6.82% fixed rate, the monthly principal and interest payment comes to $2,234.
Property taxes in Vermont average 1.9% of the assessed home value annually — one of the higher rates in the country. Combined with an estimated $158 for homeowners insurance, your all-in monthly housing cost is approximately $2,994.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $128,320 to qualify comfortably. The median household income in Vermont is $67,674.
