Mortgage Rates in Bennington, Vermont — March 2026
Updated March 2026 | Based on Bennington market data and regional lending conditions
Bennington is a growing city in Vermont with a population of 15,267. The current 30-year fixed mortgage rate in Bennington is 6.3%, which is 0.35% below the national average. With a median home price of $215,000 and a 20% down payment of $43,000, homebuyers can expect a monthly principal and interest payment of approximately $1,064.
Current Mortgage Rates in Bennington, VT
Below are the current average mortgage rates available in the Bennington area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.3% | 6.65% | -0.35% |
| 15-Year Fixed | 5.54% | 5.89% | -0.35% |
| 5/1 ARM | 5.8% | 6.15% | -0.35% |
| FHA | 5.9% | 6.25% | -0.35% |
| VA | 5.7% | 6.05% | -0.35% |
| Jumbo | 6.5% | 6.85% | -0.35% |
Bennington Housing Market Overview
The Bennington housing market offers relatively affordable housing compared to many major cities. The median household income in Bennington is $38,000, and the cost of living index is 94 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $59,786 to comfortably afford the median-priced home in Bennington, which exceeds the current median household income.
Monthly Payment Breakdown for Bennington
Based on the median home price of $215,000 with 20% down ($43,000), here is what you can expect to pay monthly in Bennington:
15-Year vs. 30-Year Mortgage in Bennington
Choosing a 15-year mortgage in Bennington at 5.54% instead of a 30-year at 6.3% would save you $129,420 in total interest over the life of the loan. However, your monthly payment would be $1,409 instead of $1,064 — an increase of $345 per month.
Calculate Your Bennington Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bennington
What are the current mortgage rates in Bennington, VT?
As of March 2026, the average 30-year fixed mortgage rate in Bennington, Vermont is 6.3%, while the 15-year fixed rate is 5.54%. FHA loans average 5.9% and VA loans 5.7%. These rates are 0.35% below the national average of 6.65%.
How much is a monthly mortgage payment in Bennington?
Based on the median home price of $215,000 with 20% down, the estimated monthly mortgage payment in Bennington is $1,064 for principal and interest. Including property taxes of $331/month, the total monthly housing cost is approximately $1,395.
What income do I need to buy a home in Bennington?
Using the 28% rule, you would need an annual income of approximately $59,786 to afford the median-priced home in Bennington at $215,000. The median household income in Bennington is $38,000. This means most households would need to either earn above the median or consider homes below $215,000.
Is Bennington a good place to buy a home in 2026?
Bennington offers a below-average cost of living with a cost of living index of 94 (national average = 100). The property tax rate in Vermont is 1.85%, which is above the national average. Bennington has a population of 15,267 and offers a very affordable lifestyle.
Mortgage Rates in Other Vermont Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bennington, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.