Home Values in St. Albans, Vermont — 2026 Market Report
Updated March 2026 | Seller's Market | +2.8% YoY
The median home value in St. Albans, Vermont is $295,000 as of March 2026, which is below the national median of $400,000. Home values in St. Albans have increased by 2.8% over the past year and 14.8% over the last five years. With a population of 6,877 and a median household income of $52,250, the price-to-income ratio stands at 5.6x, making St. Albans affordable for the average household.
St. Albans Housing Market Conditions
| Metric | St. Albans | National Avg |
|---|---|---|
| Median Home Value | $295,000 | $400,000 |
| YoY Appreciation | +2.8% | +3.8% |
| 5-Year Appreciation | +14.8% | +22.4% |
| Price per Sq Ft | $90 | $222 |
| Days on Market | 53 days | 45 days |
| Months of Supply | 2.6 | 3.5 |
| List-to-Sale Ratio | 96.6% | 98.5% |
| Monthly Homes Sold | 3 | — |
| Foreclosure Rate | 0.29% | 0.3% |
Home Value Trends in St. Albans
A homeowner who purchased at the median price of $256,969 five years ago in St. Albans would have gained approximately $38,031 in equity, representing a 14.8% return on investment. Over the past year alone, the typical homeowner gained $8,035 in home equity.
Affordability in St. Albans, VT
With a median household income of $52,250 and a median home price of $295,000, the price-to-income ratio in St. Albans is 5.6x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $1,712 compared to estimated monthly ownership costs of $1,851 gives a rent-vs-buy ratio of 1.08. In St. Albans, buying is currently competitive with renting when factoring in equity accumulation.
Property Taxes in St. Albans
The effective property tax rate in Vermont is 1.83%. On a home valued at $295,000, the estimated annual property tax bill is $5,399, or approximately $450/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in St. Albans is 98.5 (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 St. Albans, VT?
The median home value in St. Albans, Vermont is $295,000 as of March 2026. Home values have changed +2.8% over the past year, with a 5-year appreciation of 14.8%.
Is St. Albans a buyer's or seller's market?
St. Albans is currently a seller's market with 2.6 months of housing supply. Homes spend an average of 53 days on market, and the list-to-sale price ratio is 96.6%. Low inventory gives sellers an advantage.
Are home values going up in St. Albans?
Yes, home values in St. Albans have increased by 2.8% over the past year. The 5-year appreciation rate is 14.8%, meaning a home worth $256,969 five years ago is now worth $295,000.
Is it better to rent or buy in St. Albans?
The average monthly rent in St. Albans is $1,712, while estimated monthly homeownership costs are approximately $1,851. The price-to-rent ratio is 14.4. Based on current conditions, buying may be more cost-effective than renting in this market.
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Related Resources
Disclaimer: Home value data for St. Albans, 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.