TrueAffordHome Affordability by State
What can you afford in Vermont?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Vermont's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Vermont's effective property tax rate is around 1.51% of home value per year — the 4th highest in the country. Average homeowner's insurance runs near $924/year on a $300,000 home — the 1st lowest.
Comfortable
$246,736
Stretch
$307,540
Risky ceiling
$343,740
A lender would likely approve up to $343,740 on this baseline in Vermont — but this household's own budget, once real expenses are counted, can only sustain $307,540. That $36,200 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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