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Waterbury CDP, VT

ZIP 05676 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05676

Median Home Value
$347,000
Median Rent
$886
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,229/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

32.6 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 05676 in Waterbury CDP, VT, a household would need roughly $96,000 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 $2,229. That is roughly in line with the local median household income ($91,488). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.3%+1% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
8.0%-84% vs US avg
x
Mortgage-Free
23.7%-38% vs US avg
x
$347,000
Home Value
$886
Rent
1982
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached62.4%
  • 1-unit attached6.1%
  • 2-9 units18.3%
  • 10+ units7.9%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$347,000
Median rent$886
Owner-occupied66.3%
Vacant9.6%
Price-to-income3.8x
Est. income to buy$96,000