Mortgage Rates in Orleans, Vermont — March 2026
Updated March 2026 | Based on Orleans market data and regional lending conditions
Orleans is a growing city in Vermont with a population of 4,753. The current 30-year fixed mortgage rate in Orleans is 6.86%, which is 0.21% above the national average. With a median home price of $247,000 and a 20% down payment of $49,400, homebuyers can expect a monthly principal and interest payment of approximately $1,296.
Current Mortgage Rates in Orleans, VT
Below are the current average mortgage rates available in the Orleans 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Orleans Housing Market Overview
The Orleans housing market offers relatively affordable housing compared to many major cities. The median household income in Orleans is $55,900, and the cost of living index is 109.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $71,614 to comfortably afford the median-priced home in Orleans, which exceeds the current median household income.
Monthly Payment Breakdown for Orleans
Based on the median home price of $247,000 with 20% down ($49,400), here is what you can expect to pay monthly in Orleans:
15-Year vs. 30-Year Mortgage in Orleans
Choosing a 15-year mortgage in Orleans at 6.08% instead of a 30-year at 6.86% would save you $164,880 in total interest over the life of the loan. However, your monthly payment would be $1,676 instead of $1,296 — an increase of $380 per month.
Calculate Your Orleans 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 Orleans
What are the current mortgage rates in Orleans, VT?
As of March 2026, the average 30-year fixed mortgage rate in Orleans, Vermont is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Orleans?
Based on the median home price of $247,000 with 20% down, the estimated monthly mortgage payment in Orleans is $1,296 for principal and interest. Including property taxes of $375/month, the total monthly housing cost is approximately $1,671.
What income do I need to buy a home in Orleans?
Using the 28% rule, you would need an annual income of approximately $71,614 to afford the median-priced home in Orleans at $247,000. The median household income in Orleans is $55,900. This means most households would need to either earn above the median or consider homes below $247,000.
Is Orleans a good place to buy a home in 2026?
Orleans has a moderate cost of living with a cost of living index of 109.7 (national average = 100). The property tax rate in Vermont is 1.82%, which is above the national average. Orleans has a population of 4,753 and offers a balanced lifestyle.
Mortgage Rates in Other Vermont Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Orleans, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.