Mortgage Rates in Vermont — April 2026
Compare current mortgage rates across 40 cities in Vermont. The average 30-year fixed rate is 6.73%, which is 0.64% above the national average of 6.09%.
Vermont Housing Highlights
All 40 Cities in Vermont
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Burlington | 6.69% | $415,000 | $2,140 | 44,743 |
| Essex | 6.87% | $245,000 | $1,287 | 22,205 |
| South Burlington | 6.69% | $435,000 | $2,243 | 20,292 |
| Colchester | 6.63% | $278,000 | $1,425 | 17,524 |
| Rutland | 6.69% | $195,000 | $1,006 | 15,807 |
| Bennington | 6.3% | $215,000 | $1,064 | 15,267 |
| Brattleboro | 6.69% | $265,000 | $1,367 | 12,184 |
| Essex Junction | 6.77% | $290,000 | $1,508 | 10,761 |
| Milton | 6.64% | $269,000 | $1,380 | 10,723 |
| Hartford | 6.62% | $266,000 | $1,362 | 10,686 |
| Williston | 6.81% | $265,000 | $1,383 | 10,103 |
| Middlebury | 6.69% | $385,000 | $1,985 | 9,152 |
| Springfield | 6.74% | $228,000 | $1,182 | 9,062 |
| Barre | 6.37% | $195,000 | $973 | 8,781 |
| Montpelier | 6.69% | $325,000 | $1,676 | 8,074 |
| Winooski | 6.68% | $232,000 | $1,195 | 7,997 |
| Shelburne | 6.75% | $232,000 | $1,204 | 7,700 |
| St. Johnsbury | 6.83% | $222,000 | $1,161 | 7,364 |
| St. Albans | 6.69% | $295,000 | $1,521 | 6,877 |
| Swanton | 6.72% | $245,000 | $1,267 | 6,427 |
| Northfield | 6.72% | $233,000 | $1,205 | 5,965 |
| Lyndon | 6.62% | $248,000 | $1,270 | 5,904 |
| Jericho | 6.75% | $237,000 | $1,230 | 5,377 |
| Morristown | 6.74% | $236,000 | $1,223 | 5,277 |
| Waterbury | 6.87% | $234,000 | $1,229 | 5,170 |
| Randolph | 6.77% | $232,000 | $1,206 | 4,778 |
| Orleans | 6.86% | $247,000 | $1,296 | 4,753 |
| Newport | 6.87% | $260,000 | $1,366 | 4,589 |
| Hinesburg | 6.74% | $251,000 | $1,301 | 4,396 |
| Manchester | 6.78% | $259,000 | $1,348 | 4,391 |
| Stowe | 6.87% | $228,000 | $1,198 | 4,314 |
| Richmond | 6.77% | $248,000 | $1,289 | 4,081 |
| Johnson | 6.78% | $237,000 | $1,234 | 3,530 |
| Hartland | 6.79% | $242,000 | $1,261 | 3,393 |
| Woodstock | 6.63% | $221,000 | $1,133 | 3,232 |
| Chester | 6.76% | $260,000 | $1,350 | 3,144 |
| Putney | 6.8% | $265,000 | $1,382 | 2,702 |
| Vergennes | 6.86% | $230,000 | $1,207 | 2,588 |
| Ludlow | 6.83% | $247,000 | $1,292 | 1,963 |
| Newfane | 6.68% | $223,000 | $1,149 | 1,726 |
Vermont Mortgage Rates Guide — 2026
Vermont homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $258,375. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,337.
The most affordable city for homebuyers in Vermont is Rutland, where the median home price is $195,000. On the other end, South Burlington has the highest prices at $435,000. Property tax rates across the state average 1.88%.
To comfortably afford a home at the state average price, a household income of approximately $57,300 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Vermont Mortgages
What are current mortgage rates in Vermont?
As of April 2026, the average 30-year fixed mortgage rate in Vermont is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Vermont?
The median home price across 40 cities in Vermont is $258,375. Prices range from $195,000 in Rutland to $435,000 in South Burlington.
How much income do I need to buy a house in Vermont?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $57,300 to comfortably afford the average home in Vermont. The median household income in the state is approximately $56,679.
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