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Vergennes city, VT

ZIP 05491 — 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 05491

Median Home Value
$306,000
Median Rent
$1,042
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,966/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

24.5 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 05491 in Vergennes city, VT, a household would need roughly $84,000 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 $1,966. That is roughly in line with the local median household income ($91,053). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.9%+21% vs US avg
x
Vacancy Rate
18.5%+79% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
20.2%-59% vs US avg
x
Mortgage-Free
40.9%+7% vs US avg
x
$306,000
Home Value
$1,042
Rent
1971
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached78.9%
  • 1-unit attached1.0%
  • 2-9 units11.0%
  • 10+ units3.0%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$306,000
Median rent$1,042
Owner-occupied78.9%
Vacant18.5%
Price-to-income3.4x
Est. income to buy$84,000