Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Vermont Mortgage Calculator

Estimate your true cost of homeownership in Vermont with localized property taxes, insurance, and utility data.

← Back to Vermont Hub
Est. Total Monthly Cost
$890
P&I Payment$448
Taxes & Ins$180
Utilities$262
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Vermont scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$84,168
Local Median: $84,168
$16,834 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$890

Monthly Breakdown

Principal & Interest
$448
Property Taxes
$116
Homeowners Ins.
$65
Utilities
$262

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$93,840

Local Housing Facts for Vermont

  • ·Median home value: $84,168 (adjusted for current market conditions)
  • ·Est. property taxes: $1,390/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $774/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,149/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Vermont?

Based on the local median home value, estimated real estate property taxes in Vermont are around $1,390 per year.

What is the average home price in Vermont?

The median home value in Vermont is currently estimated at $84,168.

How much does homeowners insurance cost in Vermont?

For a median priced home, homeowners insurance in Vermont averages around $774 annually.

What is the true total cost of owning a home in Vermont?

True homeownership costs go beyond principal and interest. In Vermont, a typical homeowner with a median-priced home of $84,168 can expect to pay roughly $1,390/yr in property taxes, $774/yr for homeowners insurance, and $3,149/yr in energy utilities. That adds approximately $443 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.