Charlotte, VT—05445
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Charlotte, VT
As of Oct '25, the median home price in Charlotte, VT is $829,000, with a year-over-year change of 6.0%. This indicates that home prices in Charlotte, VT are increasing. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $829,000 | 6.0% |
| Single Family | $832,000 | 6.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $555,000 | 7.4% |
3 Bed | $784,000 | 6.1% |
4 Bed | $978,000 | 7.1% |
| 5 Bed | $1,111,000 | 9.8% |
% of Housing Stock
Rental Trends — Charlotte, VT
As of July '25, Rentcast reports the average rent in Charlotte, VT is $4,200, with a year-over-year rent change of 45.8%. Per bedroom, the median rent as of July '25 in Charlotte, VT is 3-bedrooms: $3,650. The most common rental property sizes in Charlotte, VT are 3-bedroom and 1-bedroom, accounting for 46.9% and 34.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,750 | $4,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $3,550 | $3,650 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Charlotte, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Charlotte, VT is 77. This is a decrease of -22.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $2,280,000 | 25.0% |
Listing Count | 13 | 10.0% |
| Listings as % of Homes | 0.1% | 10.0% |
Days on Market | 77 | -22.0% |
Demographics — Charlotte, VT
As of the latest ACS Survey released in 2023, Charlotte, VT has a population of 3,900, which has increased by 1.7% over the past 5 years. Charlotte, VT is a moderately popular place for families, as children make up 20.4% of the population. The area has a highly educated workforce, with 61.5% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 25.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,900 | 1.7% |
% Under 18 | 20.4% | -10.1% |
% Seniors | 22.2% | 32.9% |
% WFH | 25.4% | 101.6% |
% w/ College Degree | 61.5% | -13.4% |
As of the latest ACS Survey released in 2023, Charlotte, VT is a predominantly white area, with 94.6% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Charlotte, VT is hispanic, making up 1.6% of the population. Foreign-born residents account for 12.2% of the population in Charlotte, VT, and this percentage has increased by 281.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.6% | -2.9% |
% Black | 0.3% | -76.9% |
% Hispanic | 1.6% | 300.0% |
% Asian | 0.5% | ∞% |
% Foreign Born | 12.2% | 281.2% |
Mortgage and Risk — Charlotte, VT
According to HUD data as of 2023, there were 72 mortgage originations in Charlotte, VT, of which 100.0% of loans were conventional mortgages. The average loan-to-value was 42.0%, with 8.0% above 90% LTV (normal). This implies small mortgage risk in Charlotte, VT. Investor activity is low, as 0.0% of loans were by investors. 3.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 72 |
% Conventional Loans | 100.0% |
% Government Loans | 0.0% |
% Investor Loans | 0.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 3.0% |
Loan Activity
Rentals and Section 8 — Charlotte, VT
Charlotte, VT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 1.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,540 |
| 2 Bedroom | N/A | N/A | $2,020 |
| 3 Bedroom | -$950 | $3,550 | $2,600 |
| 4 Bedroom | N/A | N/A | $2,680 |
Affordability — Charlotte, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.2 |
| Median Home Price | $829,000 |
| Median Household Income | $136,000 |