Mortgage Rates in Winooski, Vermont — March 2026
Updated March 2026 | Based on Winooski market data and regional lending conditions
Winooski is a growing city in Vermont with a population of 7,997. The current 30-year fixed mortgage rate in Winooski is 6.68%, which is 0.03% above the national average. With a median home price of $232,000 and a 20% down payment of $46,400, homebuyers can expect a monthly principal and interest payment of approximately $1,195.
Current Mortgage Rates in Winooski, VT
Below are the current average mortgage rates available in the Winooski 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Winooski Housing Market Overview
The Winooski housing market offers relatively affordable housing compared to many major cities. The median household income in Winooski is $56,600, and the cost of living index is 108.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $67,971 to comfortably afford the median-priced home in Winooski, which exceeds the current median household income.
Monthly Payment Breakdown for Winooski
Based on the median home price of $232,000 with 20% down ($46,400), here is what you can expect to pay monthly in Winooski:
15-Year vs. 30-Year Mortgage in Winooski
Choosing a 15-year mortgage in Winooski at 5.94% instead of a 30-year at 6.68% would save you $149,400 in total interest over the life of the loan. However, your monthly payment would be $1,560 instead of $1,195 — an increase of $365 per month.
Calculate Your Winooski 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 Winooski
What are the current mortgage rates in Winooski, VT?
As of March 2026, the average 30-year fixed mortgage rate in Winooski, Vermont is 6.68%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Winooski?
Based on the median home price of $232,000 with 20% down, the estimated monthly mortgage payment in Winooski is $1,195 for principal and interest. Including property taxes of $391/month, the total monthly housing cost is approximately $1,586.
What income do I need to buy a home in Winooski?
Using the 28% rule, you would need an annual income of approximately $67,971 to afford the median-priced home in Winooski at $232,000. The median household income in Winooski is $56,600. This means most households would need to either earn above the median or consider homes below $232,000.
Is Winooski a good place to buy a home in 2026?
Winooski has a moderate cost of living with a cost of living index of 108.1 (national average = 100). The property tax rate in Vermont is 2.02%, which is above the national average. Winooski has a population of 7,997 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 Winooski, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.