CALCMONEY // MORTGAGE // VT
Calculate your monthly mortgage payment using Vermont-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$380,000
7%
1.9%
3.35%–8.75%
How today's 7% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 7% | — |
| 2024 avg | 7.42% | -0.42% |
| 2023 avg | 7.85% | -0.85% |
| 2022 peak | 7.68% | -0.68% |
| 2021 avg | 3.60% | +3.40% |
| 2020 avg | 3.40% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Vermont market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $2,023 |
| Property Tax | $602 |
| Homeowners Insurance (est.) | $127 |
| Total Monthly Payment (PITI) | $2,751 |
$76,000
$424,107
$117,894/yr
The median home price in Vermont is $380,000, 10% below the $420,000 national median. With a median household income of $63,400, the price-to-income ratio is 6.0x.
At a 1.9% average effective rate, Vermont property taxes add $602 to the monthly payment on the median home, $7,220 a year statewide.
Vermont levies a state income tax of 3.35%–8.75% on top of the $2,751/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Beyond housing, Vermont's cost of living index sits at 112 (national average = 100), running above the national baseline for groceries, transportation, and healthcare.
Vermont's median home price runs 3% higher than Maine: $370,000 there versus $380,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $304,000 loan saves $13,680 in interest over 30 years.
Compare Top Vermont Mortgage Lenders