What is the average mortgage rate in Vermont in 2026?
Around 7.46% as of October 19, 2026 on a 30-year fixed in this national benchmark model — in line with the US average shown above.
Best Mortgage Rates Vermont 2026
Vermont's average home price is about $385,000 in 2026. The state has progressive income tax (top rate about 8.75%) and a property transfer tax often quoted around 1.25% on the buyer side for many transactions.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages for this page, not live quotes from lenders. Confirm pricing with banks and brokers in Vermont. Not financial advice.
Vermont at a glance
- Average home price: $385,000
- State income tax: Yes (8.75% top marginal rate)
- Transfer / conveyance tax: Yes — property transfer tax about 1.25% (typical buyer share)
- Typical monthly payment: $2,145/mo on $385,000 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does Vermont have a real estate transfer tax?
Vermont imposes a property transfer tax; effective buyer-side rates are often near 1.25% depending on the transaction structure.
What is the average home price in Vermont in 2026?
$385,000 — used here as an illustrative average for payment math.
How much do I need to earn to afford a home in Vermont?
To afford $385,000 with 20% down at 7.46% on a 30-year loan, many lenders use debt-to-income rules that imply approximately $90,000–$95,000 annual income before taxes — your lender may differ.
US mortgage calculator · Educational reference only. Not financial or lending advice.