Mortgage Calculator

Vermont Mortgage Calculator

The true cost of owning a home in Vermont includes property tax at 1.83%, homeowners insurance averaging $1,100/year, transfer tax, plus PMI if your down payment is under 20 percent.

Current 30 year fixed, conventional: 6.85% · as of October 10, 2026

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Your home

Home price

State median: $315,000

Down payment

Loan term Shorter term = higher payment, less total interest

Your loan

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Interest rate

Live FRED 30yr fixed: 6.85%

Monthly extras

Property tax rate

Vermont average: 1.83%

Home insurance

State average: $1,100/yr

HOA fees

Leave 0 if no HOA

Your monthly payment

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Payment breakdown

Principal & interest—

Property tax—

Home insurance—

PMI—

MIP (FHA/USDA)—

HOA—

Loan summary

Loan amount—

Down payment—

Total interest—

Loan payoff—

At closing

Vermont closing costs

Vermont charges a real estate transfer tax of about 1.450% of the sale price, typically paid by the buyer.

1.45% primary residence; 2.5% non-primary (Act 181)

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Other Northeast states

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