What income do you need to buy a house in Middlebury, VT?

It takes about $137,000/yr to afford the typical Middlebury, VT home ($461K, +1.0% past year) at today's rates. Starter homes run around $344K. See if you can afford a house in Middlebury (2026 data) — free, no signup.

Market snapshot (2026-06)

• Income needed to buy the typical home: about $137,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, VT property tax and insurance)
• Typical home value: $461K (Zillow ZHVI, 2026-06)
• 1-year change: +1.0%
• Bottom 35% of homes: $344K
• Top 35% of homes start around: $624K
• Median household income: $86K
• Price-to-income ratio: 5.3
• Estimated payment on the typical home: $2,371/mo principal & interest (20% down, 6.66% 30-yr fixed)

Nearby housing markets

• Shelburne, VT — typical home $689K
• Rutland, VT — typical home $290K
• South Burlington, VT — typical home $491K
• Burlington, VT — typical home $520K
• Winooski, VT — typical home $442K
• Montpelier, VT — typical home $434K

The most affordable cities to buy a house in Vermont

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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