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Richford CDP, VT

ZIP 05476 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05476

Median Home Value
$190,300
Median Rent
$924
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,222/mo PITI).

18%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

17.2 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 05476 in Richford CDP, VT, a household would need roughly $52,000 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 $1,222. That sits below the local median household income ($61,944), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.2%+12% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.2%-59% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$190,300
Home Value
$924
Rent
1964
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached77.1%
  • 1-unit attached0.5%
  • 2-9 units10.8%
  • 10+ units0.6%
  • Mobile home & other11.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,300
Median rent$924
Owner-occupied73.2%
Vacant16.8%
Price-to-income3.1x
Est. income to buy$52,000