Home Values in Montpelier, Vermont — 2026 Market Report
Updated March 2026 | Buyer's Market | +2.1% YoY
The median home value in Montpelier, Vermont is $325,000 as of March 2026, which is below the national median of $400,000. Home values in Montpelier have increased by 2.1% over the past year and 11% over the last five years. With a population of 8,074 and a median household income of $52,250, the price-to-income ratio stands at 6.2x, making Montpelier affordable for the average household.
Montpelier Housing Market Conditions
| Metric | Montpelier | National Avg |
|---|---|---|
| Median Home Value | $325,000 | $400,000 |
| YoY Appreciation | +2.1% | +3.8% |
| 5-Year Appreciation | +11% | +22.4% |
| Price per Sq Ft | $110 | $222 |
| Days on Market | 47 days | 45 days |
| Months of Supply | 5.3 | 3.5 |
| List-to-Sale Ratio | 101.8% | 98.5% |
| Monthly Homes Sold | 4 | — |
| Foreclosure Rate | 0.77% | 0.3% |
Home Value Trends in Montpelier
A homeowner who purchased at the median price of $292,793 five years ago in Montpelier would have gained approximately $32,207 in equity, representing a 11% return on investment. Over the past year alone, the typical homeowner gained $6,685 in home equity.
Affordability in Montpelier, VT
With a median household income of $52,250 and a median home price of $325,000, the price-to-income ratio in Montpelier is 6.2x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $1,655 compared to estimated monthly ownership costs of $2,039 gives a rent-vs-buy ratio of 1.23. In Montpelier, renting may be more cost-effective in the short term, though homeownership builds long-term wealth.
Property Taxes in Montpelier
The effective property tax rate in Vermont is 1.83%. On a home valued at $325,000, the estimated annual property tax bill is $5,948, or approximately $496/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in Montpelier is 105.5 (100 = national average), indicating living costs are near the national average.
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Open Mortgage CalculatorFrequently Asked Questions
What is the median home value in Montpelier, VT?
The median home value in Montpelier, Vermont is $325,000 as of March 2026. Home values have changed +2.1% over the past year, with a 5-year appreciation of 11%.
Is Montpelier a buyer's or seller's market?
Montpelier is currently a buyer's market with 5.3 months of housing supply. Homes spend an average of 47 days on market, and the list-to-sale price ratio is 101.8%. Higher inventory gives buyers more negotiating power.
Are home values going up in Montpelier?
Yes, home values in Montpelier have increased by 2.1% over the past year. The 5-year appreciation rate is 11%, meaning a home worth $292,793 five years ago is now worth $325,000.
Is it better to rent or buy in Montpelier?
The average monthly rent in Montpelier is $1,655, while estimated monthly homeownership costs are approximately $2,039. The price-to-rent ratio is 16.4. Current conditions suggest renting may be more affordable in the short term, though homeownership builds equity over time.
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Disclaimer: Home value data for Montpelier, Vermont is based on publicly available market data and estimates. Actual home values may vary based on property condition, location within the city, and current market conditions. Data is updated regularly but may not reflect the most recent transactions. Last updated: March 2026.