ZIP Code 05489 — Underhill Flats CDP, VT Demographics & Data

ZIP code 05489 covers Underhill Flats, VT in Chittenden County with a population of about 3,429.

At a glance, the area shows median age of 43.5 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 05489 is about $88,015 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 3.2%; 45.1% of adults with a bachelor’s degree or higher (about 11.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Education; about 19.3% of workers reporting work-from-home (about 4.1 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 $406,800 — about 17% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $954 (about 18% below the U.S. median rent ($1,163)), and owner-occupancy near 81.6% (about 16.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05489 in Underhill Flats, VT, a household would need roughly $112,000 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 $2,613. That is about 27% above the local median household income ($88,015), 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 Underhill Flats CDP, VT as Relatively Low (composite score 63.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (76.4) and hurricane (65.9). 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 Underhill Flats CDP, VT show little to no average snow and around 81.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 177 for ZIP 05489 (Underhill Flats 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.