Vermont Mortgage Calculator
Estimate the monthly PITI payment on a Vermont home. Preseeded with the state’s 1.83% effective property-tax rate, $950 average annual insurance, and $380,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$2,707
- Principal & Interest
- $1,921
- Property Taxes
- $580
- Home Insurance
- $79
- PMI
- $127
Total Interest
$387,735
Total Cost
$928,855
Payoff Year
2056
Vermont Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 1.83%
- Avg annual insurance
- $950
- Median home price
- $380,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Vermont Rules
Vermont has both an education property tax (statewide, two-tier income-sensitized rate) and municipal property tax. Homeowners with household income under the threshold can apply for a property-tax adjustment that pays the education portion based on income rather than property value.
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Frequently Asked Questions
- Vermont's statewide effective property-tax rate is approximately 1.83% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.