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West Charlotte CDP, VT

ZIP 05445 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05445

Median Home Value
$659,800
Median Rent
$1,212
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,238/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

45.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 05445 in West Charlotte CDP, VT, a household would need roughly $182,000 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 $4,238. That is about 33% above the local median household income ($136,385), 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.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
94.4%+44% vs US avg
x
Vacancy Rate
16.4%+59% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
9.8%-34% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$659,800
Home Value
$1,212
Rent
1982
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached92.3%
  • 1-unit attached2.8%
  • 2-9 units3.1%
  • 10+ units0.0%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$659,800
Median rent$1,212
Owner-occupied94.4%
Vacant16.4%
Price-to-income4.8x
Est. income to buy$182,000