ZIP Code 05146 — Grafton CDP, VT Demographics & Data

ZIP code 05146 covers Grafton, VT in Windham County with a population of about 663.

At a glance, the area shows median age of 57.7 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BOSTON (MANCHESTER) media market.

Grafton, VT fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 05146 is about $86,750 — about 15% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 2.4%; 38.3% of adults with a bachelor’s degree or higher (about 4.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Construction; about 15.0% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $295,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $850 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 92.1% (about 26.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05146 in Grafton, VT, a household would need roughly $81,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,897. That is roughly in line with the local median household income ($86,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Grafton CDP, VT as Relatively Low (composite score 56.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (74.6) and flood (71.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Grafton CDP, VT show little to no average snow and around 40.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 05146 (Grafton CDP, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.