Colchester, VT—05446
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Colchester, VT
As of Oct '25, the median home price in Colchester, VT is $478,000, with a year-over-year change of 1.0%. This indicates that home prices in Colchester, VT are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $478,000 | 1.0% |
| Single Family | $510,000 | 1.0% |
| Condos | $356,000 | 1.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $317,000 | 0.0% |
2 Bed | $350,000 | 1.4% |
3 Bed | $499,000 | 0.4% |
4 Bed | $637,000 | 2.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Colchester, VT
As of July '25, Rentcast reports the average rent in Colchester, VT is $2,990, with a year-over-year rent change of 35.9%. Per bedroom, the median rent as of July '25 in Colchester, VT is 1-bedrooms: $1,950, 2-bedrooms: $1,910, 3-bedrooms: $3,480, 4-bedrooms: $4,880. The most common rental property sizes in Colchester, VT are 2-bedroom and 1-bedroom, accounting for 64.7% and 21.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,990 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,000 | $1,950 |
| 2 Bed Rent | $1,820 | $1,910 |
| 3 Bed Rent | $3,500 | $3,480 |
| 4 Bed Rent | $3,750 | $4,880 |
% of Rental Stock
Property Listings — Colchester, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Colchester, VT is 56. This is a increase of 123.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $592,000 | 3.0% |
Listing Count | 74 | 118.0% |
| Listings as % of Homes | 0.2% | 118.0% |
Days on Market | 56 | 123.0% |
Demographics — Colchester, VT
As of the latest ACS Survey released in 2023, Colchester, VT has a population of 16,400, which has increased by 3.0% over the past 5 years. Colchester, VT is a moderately popular place for families, as children make up 21.1% of the population. The area has a moderately educated workforce, with 41.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,400 | 3.0% |
% Under 18 | 21.1% | 10.5% |
% Seniors | 17.3% | 30.1% |
% WFH | 18.9% | 220.3% |
% w/ College Degree | 41.0% | -8.7% |
As of the latest ACS Survey released in 2023, Colchester, VT is a predominantly white area, with 86.4% of the population identifying as white. The white population has shrunk by 6.8% in the last 5 years. The second most common race or ethnicity in Colchester, VT is hispanic, making up 3.5% of the population. Foreign-born residents account for 8.6% of the population in Colchester, VT, and this percentage has increased by 22.9% 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 | 86.4% | -6.8% |
% Black | 2.8% | 64.7% |
% Hispanic | 3.5% | 191.7% |
% Asian | 2.2% | -12.0% |
% Foreign Born | 8.6% | 22.9% |
Mortgage and Risk — Colchester, VT
According to HUD data as of 2023, there were 290 mortgage originations in Colchester, VT, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 52.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Colchester, VT. Investor activity is low, as 0.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 290 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 0.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Colchester, VT
As of 2024, the percent of homes in Colchester, VT under the Section 8 program is 15.9%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Colchester, VT, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 317 |
Total Units Section 8 | 317 |
% Rentals under Section 8 | 15.9% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$660 | $2,000 | $1,340 |
| 2 Bedroom | -$60 | $1,820 | $1,760 |
| 3 Bedroom | -$1,240 | $3,500 | $2,260 |
| 4 Bedroom | -$1,420 | $3,750 | $2,330 |
Affordability — Colchester, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $478,000 |
| Median Household Income | $97,400 |