Chittenden County, Vermont: What It Costs to Buy a Home
The median home in Chittenden County is worth $404,500, property taxes on it run about $6,527 a year (1.61%), the FHA loan limit is $575,000, and closing on it means about $4,006 in transfer tax plus $1,514 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $404,500 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $6,527 a year, 1.61% of value | Property tax page → |
| FHA loan limit (1 unit) | $575,000 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $4,006 | Vermont transfer tax page → |
| Title insurance on the median home | $1,414 owner's + $100 lender's | Title insurance page → |
| Closing costs from these items | $5,520 | Closing costs page → |
| Area median income (HUD, family of 4) | $123,400; low-income limit $99,750 | Income limits page → |
Frequently asked questions
How much do homes cost in Chittenden County?
The median owner-occupied home in Chittenden County is valued at $404,500, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Chittenden County?
The median Chittenden County homeowner pays $6,527 a year in real estate taxes, about 1.61% of the median home value ($6,545 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Chittenden County?
$575,000 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Chittenden County?
On the $404,500 median home: transfer tax $4,006, title insurance $1,514 for both policies, about $5,520 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Chittenden County?
HUD's FY 2026 median family income for Chittenden County (Burlington-South Burlington, VT MSA) is $123,400. A family of four counts as low income below $99,750 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Vermont counties
- Addison County $333,700
- Bennington County $257,400
- Caledonia County $215,900
- Essex County $167,500
- Franklin County $285,500
- Grand Isle County $363,500
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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