Mortgage Rates in Middlebury, Vermont — March 2026
Updated March 2026 | Based on Middlebury market data and regional lending conditions
Middlebury is a growing city in Vermont with a population of 9,152. The current 30-year fixed mortgage rate in Middlebury is 6.69%, which is 0.04% above the national average. With a median home price of $385,000 and a 20% down payment of $77,000, homebuyers can expect a monthly principal and interest payment of approximately $1,985.
Current Mortgage Rates in Middlebury, VT
Below are the current average mortgage rates available in the Middlebury 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.29% | 6.25% | +0.04% |
| VA | 6.09% | 6.05% | +0.04% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Middlebury Housing Market Overview
The Middlebury housing market reflects moderate demand with prices near the national average. The median household income in Middlebury is $55,250, and the cost of living index is 108.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $110,229 to comfortably afford the median-priced home in Middlebury, which exceeds the current median household income.
Monthly Payment Breakdown for Middlebury
Based on the median home price of $385,000 with 20% down ($77,000), here is what you can expect to pay monthly in Middlebury:
15-Year vs. 30-Year Mortgage in Middlebury
Choosing a 15-year mortgage in Middlebury at 5.93% instead of a 30-year at 6.69% would save you $248,940 in total interest over the life of the loan. However, your monthly payment would be $2,587 instead of $1,985 — an increase of $602 per month.
Calculate Your Middlebury 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 Middlebury
What are the current mortgage rates in Middlebury, VT?
As of March 2026, the average 30-year fixed mortgage rate in Middlebury, Vermont is 6.69%, while the 15-year fixed rate is 5.93%. FHA loans average 6.29% and VA loans 6.09%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Middlebury?
Based on the median home price of $385,000 with 20% down, the estimated monthly mortgage payment in Middlebury is $1,985 for principal and interest. Including property taxes of $587/month, the total monthly housing cost is approximately $2,572.
What income do I need to buy a home in Middlebury?
Using the 28% rule, you would need an annual income of approximately $110,229 to afford the median-priced home in Middlebury at $385,000. The median household income in Middlebury is $55,250. This means most households would need to either earn above the median or consider homes below $385,000.
Is Middlebury a good place to buy a home in 2026?
Middlebury has a moderate cost of living with a cost of living index of 108.5 (national average = 100). The property tax rate in Vermont is 1.83%, which is above the national average. Middlebury has a population of 9,152 and offers a balanced 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 Middlebury, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.