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Island Pond CDP, VT

ZIP 05846 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05846

Median Home Value
$164,100
Median Rent
$755
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,054/mo PITI).

19%
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.

18.1 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 05846 in Island Pond CDP, VT, a household would need roughly $45,000 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 $1,054. That is roughly in line with the local median household income ($47,857). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 48% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.1%-5% vs US avg
x
Vacancy Rate
48.2%+368% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$164,100
Home Value
$755
Rent
1973
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 detached73.5%
  • 1-unit attached0.0%
  • 2-9 units14.9%
  • 10+ units2.2%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,100
Median rent$755
Owner-occupied62.1%
Vacant48.2%
Price-to-income3.4x
Est. income to buy$45,000