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Vermont transfer tax rules (2026)
Includes the 0.22% clean water surcharge. Since August 1, 2024 the lower 0.5% rate covers the first $200,000 of a principal residence.
| Tax | Rate | Usually paid by |
|---|---|---|
| Property transfer tax (principal residence)principal residence only | 0.5%–1.47% (graduated) | Buyer |
| Property transfer tax (not a principal residence)non-principal residences | 1.47% | Buyer |
Not your main home? On the same $355,000 purchase the taxes are $5,219 instead of $3,279.
Vermont transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $175,000 | $875 | $0 | — | $875 (0.5%) |
| $200,000 | $1,000 | $0 | — | $1,000 (0.5%) |
| $350,000 | $3,205 | $0 | — | $3,205 (0.92%) |
| $525,000 | $5,778 | $0 | — | $5,778 (1.1%) |
| $700,000 | $8,350 | $0 | — | $8,350 (1.19%) |
| $1,000,000 | $12,760 | $0 | — | $12,760 (1.28%) |
| $1,500,000 | $20,110 | $0 | — | $20,110 (1.34%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
Vermont vs other states
On a $400,000 home Vermont's taxes are $3,940 (0.99%), the 8th highest of 51. States nearby in the ranking:
- Florida$4,780
- Connecticut$4,000
- Michigan$3,440
- New Jersey$3,215
All states: real estate transfer tax by state. Monthly payment: Vermont mortgage calculator · how much house you can afford in Vermont.
Sources
Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.
Closing cost calculators for other states
- Alabama
- Alaska
- Arizona
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- California
- Colorado
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- Delaware
- District of Columbia
- Florida
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- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
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- Massachusetts
- Michigan
- Minnesota
- Mississippi
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- New Jersey
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- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Assumptions
- Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
- Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
- Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
- Vermont rules checked 2026-10-23: Vermont Department of Taxes — property transfer tax.
Frequently asked questions
How much is the transfer tax in Vermont?+
On a $355,000 home (about the Vermont median) the taxes come to $3,279, or 0.92% of the price: Property transfer tax (principal residence) $3,279 (buyer).
Who pays the transfer tax in Vermont, the buyer or the seller?+
Property transfer tax (principal residence): buyer; Property transfer tax (not a principal residence): buyer. Who pays can be negotiated in the purchase contract.
What are closing costs in Vermont?+
Expect transfer and recording taxes ($3,279 on a $355,000 home) plus lender, title, appraisal and prepaid costs, which typically add about 2%–5% of the price nationally. Your lender's Loan Estimate shows the real numbers.
How does Vermont compare with other states?+
On a $400,000 home, Vermont's $3,940 in taxes ranks 8th highest of 50 states and DC. Delaware is highest at $16,000; 15 states charge no state transfer tax at all.
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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.