Cost of Ownership · Vermont

The true cost of owning a home in Vermont

For a median $290,500 home in Vermont, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 5, 2026Methodology true-cost-v3

Lender-approved payment

$2,255/mo

PITI + PMI

True monthly cost

$2,497/mo

everything, incl. upkeep

The gap

+$242/mo

what approval leaves out

Principal & interest$1,641/mo

Property tax$413/mo

Homeowners insurance$92/mo

PMI (LTV > 80%)$109/mo

Maintenance reserve$242/mo

True monthly cost$2,497/mo

Effective property-tax rate

1.71%

Avg. homeowners premium

$1,109/yr

NFIP flood claims on record

3,726

These figures use Vermont’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Vermont ranks on property tax and insurance, or browse every state.