Mortgage Rates in Putney, Vermont — March 2026
Updated March 2026 | Based on Putney market data and regional lending conditions
Putney is a growing city in Vermont with a population of 2,702. The current 30-year fixed mortgage rate in Putney is 6.8%, which is 0.15% above the national average. With a median home price of $265,000 and a 20% down payment of $53,000, homebuyers can expect a monthly principal and interest payment of approximately $1,382.
Current Mortgage Rates in Putney, VT
Below are the current average mortgage rates available in the Putney 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 | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Putney Housing Market Overview
The Putney housing market offers relatively affordable housing compared to many major cities. The median household income in Putney is $54,500, and the cost of living index is 106.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $77,786 to comfortably afford the median-priced home in Putney, which exceeds the current median household income.
Monthly Payment Breakdown for Putney
Based on the median home price of $265,000 with 20% down ($53,000), here is what you can expect to pay monthly in Putney:
15-Year vs. 30-Year Mortgage in Putney
Choosing a 15-year mortgage in Putney at 6.03% instead of a 30-year at 6.8% would save you $174,960 in total interest over the life of the loan. However, your monthly payment would be $1,792 instead of $1,382 — an increase of $410 per month.
Calculate Your Putney 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 Putney
What are the current mortgage rates in Putney, VT?
As of March 2026, the average 30-year fixed mortgage rate in Putney, Vermont is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Putney?
Based on the median home price of $265,000 with 20% down, the estimated monthly mortgage payment in Putney is $1,382 for principal and interest. Including property taxes of $433/month, the total monthly housing cost is approximately $1,815.
What income do I need to buy a home in Putney?
Using the 28% rule, you would need an annual income of approximately $77,786 to afford the median-priced home in Putney at $265,000. The median household income in Putney is $54,500. This means most households would need to either earn above the median or consider homes below $265,000.
Is Putney a good place to buy a home in 2026?
Putney has a moderate cost of living with a cost of living index of 106.3 (national average = 100). The property tax rate in Vermont is 1.96%, which is above the national average. Putney has a population of 2,702 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 Putney, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.