What your paycheck buys · Updated every Friday

What a paycheck buys in Vermont this week

Out of reach · #32 of 50 on affordability · rate for the week of October 22, 2026

A median Vermont household earning $95,290 a year can afford a home of about $301,000 at this week’s 7.32% average 30-year rate. The median Vermont listing is $499,450, which would take 46.5% of that household’s gross income, against the usual 28% ceiling.

$301,000

Affordable home price

+$1,983 vs. last week · +$7,278 vs. a year ago

$499,000

Median list price (September 2026)

+$450 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Vermont 59 a year ago

46.5%

Share of income the median listing takes

$3,691/mo incl. taxes & insurance · U.S. 42.5%

$95,000

Median household income (2025)

U.S. $87,000

#32

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $499,000 and median income of $84,480 (2024 figure), the same household could afford about $294,000 and the median listing took 47.6% of income. Affordability in Vermont has improved since then.

Nearby in the ranking

#30 Mississippi: can afford $183,000, median listing $292,000
#31 Connecticut: can afford $320,000, median listing $523,000
#33 Florida: can afford $246,000, median listing $410,000
#34 New Hampshire: can afford $354,000, median listing $590,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.