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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)
$2,580
Principal & Interest
$1,921
Property Taxes
$580
Home Insurance
$79
Total Interest
$387,735
Total Cost
$928,855
Loan-to-Value
80.0%
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.