Vermont Mortgage Calculator

Estimate your monthly mortgage payment in Vermont with real local figures built in. This calculator starts from Vermont's approximate median home price of $405,000, its average effective property tax rate of 1.83%, and a typical Vermont home-insurance premium of about $1,150/yr — adjust any field, then see your full PITI payment, amortization chart, and payoff schedule.

Vermont home costs at a glance

These are approximate, sourced state figures to give your estimate a realistic starting point. They are averages, not quotes — confirm exact numbers for your county, home, and lender.

• Median home price: approximately $405,000 (typical home value, mid-2025) — Zillow Home Value Index
• Effective property tax rate: about 1.83% of home value per year (pre-filled into the calculator)
• Average homeowners insurance: about $1,150/yr — state average for ~$400k dwelling coverage — NerdWallet
• First-time buyers: Vermont Housing Finance Agency (VHFA) offers MOVE Mortgage, Vermont's flagship first-time-homebuyer program.

Figures are approximate and for education only — not financial advice. Median home value from the Zillow Home Value Index (mid-2025); average homeowners insurance from NerdWallet; first-time-buyer program from Vermont Housing Finance Agency (VHFA). Property-tax and insurance costs vary widely by county, home, and carrier.

Frequently asked questions

What is the median home price in Vermont?

As of mid-2025 the typical home value in Vermont is approximately $405,000, based on the Zillow Home Value Index. This calculator pre-fills that as the home price so your estimate starts from a realistic Vermont figure — adjust it to the home you have in mind.

What is the average property tax rate in Vermont?

Vermont's average effective property tax rate is about 1.83% of a home's value per year. This calculator pre-fills that rate, and you can change it to match your county or a specific home.

How much is homeowners insurance in Vermont?

The average annual homeowners insurance premium in Vermont is roughly $1,150 for a policy with about $400,000 of dwelling coverage, per NerdWallet's state data. Your actual premium depends on the home, its location and age, and your carrier — this is a state average, not a quote.

Is there first-time homebuyer help in Vermont?

Yes. Vermont Housing Finance Agency (VHFA) runs Vermont's main first-time-buyer program, MOVE Mortgage, which can pair a below-market mortgage with down-payment assistance for eligible buyers. Check eligibility and current terms on the agency's official site.

How is my monthly payment calculated?

From your Vermont home price, down payment, interest rate and term, plus property tax, homeowners insurance, and PMI if you put down less than 20%. Everything updates live as you type.