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North Troy village, VT

ZIP 05859 — 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 05859

Median Home Value
$216,000
Median Rent
$575
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,388/mo PITI).

9%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.3 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 05859 in North Troy village, VT, a household would need roughly $59,000 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 $1,388. That sits below the local median household income ($80,694), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.6%+35% vs US avg
x
Vacancy Rate
43.7%+324% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
35.3%-8% vs US avg
x
$216,000
Home Value
$575
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.3%
  • 1-unit attached5.9%
  • 2-9 units25.8%
  • 10+ units1.0%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$216,000
Median rent$575
Owner-occupied88.6%
Vacant43.7%
Price-to-income2.7x
Est. income to buy$59,000