ZIP Code 05149 — Ludlow village, VT Demographics & Data

ZIP code 05149 covers Ludlow, VT in Windsor County with a population of about 2,171.

At a glance, the area shows median age of 51.8 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Median household income in ZIP 05149 is about $63,098 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.0%; unemployment rate near 6.6%; 45.9% of adults with a bachelor’s degree or higher (about 12.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Education; about 20.3% of workers reporting work-from-home (about 5.1 points above 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 $324,500 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,054 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 73.0% (about 7.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05149 in Ludlow, VT, a household would need roughly $89,000 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 $2,085. That is about 41% above the local median household income ($63,098), so the median earner would likely stretch or need a larger down payment. 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 Ludlow village, VT as Relatively Low (composite score 61.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (76.7) and hurricane (73.0). 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 Ludlow village, VT show little to no average snow and around 46.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 112 for ZIP 05149 (Ludlow village, 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.