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Vermont mortgage calculator

Pre-filled for Vermont: the median home value ($355,000) and the state's effective property tax rate of 1.43%. Change anything to match your home.

Home price
Down payment$71,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$2,368.11

Loan $284,000 · 20% down

  • Principal & interest$1,795.07
  • Property tax$423.04
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$362,229
Total cost
$852,523
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 3,174, Interest 18,36712: Principal 3,387, Interest 18,1543: Principal 3,614, Interest 17,9274: Principal 3,856, Interest 17,68545: Principal 4,114, Interest 17,4276: Principal 4,389, Interest 17,1517: Principal 4,683, Interest 16,8578: Principal 4,997, Interest 16,54489: Principal 5,332, Interest 16,20910: Principal 5,689, Interest 15,85211: Principal 6,070, Interest 15,47112: Principal 6,476, Interest 15,0641213: Principal 6,910, Interest 14,63114: Principal 7,373, Interest 14,16815: Principal 7,867, Interest 13,67416: Principal 8,394, Interest 13,1471617: Principal 8,956, Interest 12,58518: Principal 9,555, Interest 11,98519: Principal 10,195, Interest 11,34620: Principal 10,878, Interest 10,6632021: Principal 11,607, Interest 9,93422: Principal 12,384, Interest 9,15723: Principal 13,213, Interest 8,32724: Principal 14,098, Interest 7,4432425: Principal 15,042, Interest 6,49826: Principal 16,050, Interest 5,49127: Principal 17,125, Interest 4,41628: Principal 18,272, Interest 3,2692829: Principal 19,495, Interest 2,04530: Principal 20,804, Interest 74030
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$3,174$18,367$280,826
2$3,387$18,154$277,439
3$3,614$17,927$273,825
4$3,856$17,685$269,969
5$4,114$17,427$265,855
Monthly payment$2,368.11

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Vermont at a glance

Effective property tax
1.43%
Rank (1 = highest)
6th of 51
Median home value
$352,800
Median tax bill
$5,026/yr

On the same $400,000 home, property tax in Vermont adds about $476.67/month, versus $296.67/month at the national rate.

Vermont mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$175,000$884.90$208.54$1,243.44
$275,000$1,390.55$327.71$1,868.26
$350,000$1,769.79$417.08$2,336.87
$525,000$2,654.69$625.63$3,430.32
$700,000$3,539.58$834.17$4,523.75

20% down, 6.5% 30-year fixed (example rate), 1.43% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Vermont.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Vermont figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Vermont?+

The effective property tax rate in Vermont is about 1.43% of home value a year (median taxes paid $5,026 on a median home worth $352,800). That's the 6th highest of 50 states and DC, and higher than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Vermont?+

For a $355,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $2,368.11 a month, including $423.04 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Vermont?+

To afford the median Vermont home ($355,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $117,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.