Calculate your monthly mortgage payment in Vermont. Pre-filled with Vermont's typical home value of $399,100 (Zillow Home Value Index, August 2026) and an effective property tax rate of 1.42% (Census ACS 2024 1-year, median taxes ÷ median home value).
Est. Monthly Payment
$2,769
Principal & Interest
$2,131
Property Tax / mo
$472
Total Interest Paid
$447,741
| Home Price | $399,100 | Typical home value in Vermont — Zillow Home Value Index, August 2026 |
| Down Payment | 20% ($79,820) | Assumption — no sourced state average |
| Loan Amount | $319,280 | Home price minus down payment |
| Interest Rate | 7.03% | Freddie Mac PMMS national average, week of 2026-09-24 — not a Vermont rate |
| Loan Term | 30 years | Assumption |
| Property Tax | 1.42% / year | Vermont effective rate — Census ACS 2024 1-year, median taxes ÷ median home value |
| Home Insurance | 0.5% / year | Assumption — not a sourced premium |
Programs named for Vermont: VHFA MOVE, MOVE MCC, HOME DPA. This list has no recorded source or date and may be out of date — confirm current programs and eligibility with the Vermont housing finance agency before you rely on it.
Cost of living: High (index 113.4, MERIC (C2ER index), Second Quarter 2026) · Population: 644,663 (Census Bureau estimate, July 1, 2025)
Vermont has a typical home value of about $399,100 (Zillow Home Value Index, August 2026), above the U.S. typical value of $368,700. With an assumed 20% down payment of $79,820, a buyer would finance $319,280 over 30 years. At the national 7.03% fixed rate, the monthly principal and interest payment comes to $2,131.
The effective property tax rate in Vermont — median real estate taxes paid divided by median home value — is 1.42% per year (Census ACS 2024 1-year, median taxes ÷ median home value), against 0.89% for the U.S. Combined with an assumed $166 a month for homeowners insurance, the estimated all-in monthly housing cost is about $2,769.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $118,655 to qualify comfortably. The median household income in Vermont is $82,730 (Census ACS 2024 1-year).
