Vermont (VT) · Northeast Real Estate Profile
Vermont Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Vermont. In Vermont, the effective statewide property tax rate averages 1.83% and homeowners insurance averages 0.38% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax1.83%
Homeowners Insurance0.38%
Median Home Price$355,000
Conforming Loan Limit$766,550
Property Tax Context for Vermont: At 1.83%, a median-priced home of $355,000 pays roughly $6,497 per year in property taxes ($541/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Vermont Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Vermont residents.
Monthly Payment Benchmarks in Vermont (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | VT Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $286/mo | $1,293/mo | $55,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $477/mo | $2,156/mo | $92,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $667/mo | $3,018/mo | $129,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $858/mo | $3,880/mo | $166,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $1,048/mo | $4,743/mo | $203,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $1,430/mo | $6,467/mo | $277,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $1,906/mo | $8,623/mo | $370,000/yr | View schedule → |
Browse all 25 loan amounts in Vermont
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in VT$862/mo$150k in VT$1,293/mo$200k in VT$1,725/mo$250k in VT$2,156/mo$300k in VT$2,587/mo$350k in VT$3,018/mo$400k in VT$3,449/mo$450k in VT$3,880/mo$500k in VT$4,311/mo$550k in VT$4,743/mo$600k in VT$5,174/mo$650k in VT$5,605/mo$700k in VT$6,036/mo$750k in VT$6,467/mo$800k in VT$6,898/mo$850k in VT$7,329/mo$900k in VT$7,760/mo$950k in VT$8,192/mo$1 million in VT$8,623/mo$1.1 million in VT$9,485/mo$1.2 million in VT$10,347/mo$1.3 million in VT$11,210/mo$1.4 million in VT$12,072/mo$1.5 million in VT$12,934/mo$2 million in VT$17,246/mo
Explore neighboring Northeast states
Compare mortgage payment benchmarks and property taxes across neighboring Northeast jurisdictions:
Connecticut (1.96% tax)View guide →Delaware (0.58% tax)View guide →Maine (1.24% tax)View guide →Massachusetts (1.15% tax)View guide →New Hampshire (1.93% tax)View guide →New Jersey (2.23% tax)View guide →
Closing Costs & Transfer Tax in Vermont
Property transfer tax is 0.5% on the first $100k of primary residence and 1.25% on the remaining balance.