Cambridge, VT—05464
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Cambridge, VT
Home Price Trends — Cambridge, VT
Cambridge, VT lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $375,000 | -3.5% |
| Single Family | $413,000 | -7.2% |
| Condos | $264,000 | 6.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cambridge, VT
As of July '25, Rentcast reports the average rent in Cambridge, VT is $2,300, with a year-over-year rent change of -70.6%. Per bedroom, the median rent as of July '25 in Cambridge, VT is 2-bedrooms: $1,800, 4-bedrooms: $2,800. The most common rental property sizes in Cambridge, VT are 2-bedroom and 3-bedroom, accounting for 40.3% and 26.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $2,300 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,800 | $1,800 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $2,800 | $2,800 |
% of Rental Stock
Property Listings — Cambridge, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Cambridge, VT is 57. This is a increase of 106.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $400,000 | 6.0% |
Listing Count | 12 | 75.0% |
| Listings as % of Homes | 1.0% | 75.0% |
Days on Market | 57 | 106.0% |
Demographics — Cambridge, VT
As of the latest ACS Survey released in 2023, Cambridge, VT has a population of 3,120, which has decreased by -5.5% over the past 5 years. Cambridge, VT is a popular place for families, as children make up 26.9% of the population. The area has a highly educated workforce, with 48.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,120 | -5.5% |
% Under 18 | 26.9% | 26.9% |
% Seniors | 10.0% | -13.0% |
% WFH | 5.6% | -46.2% |
% w/ College Degree | 48.7% | 33.8% |
As of the latest ACS Survey released in 2023, Cambridge, VT is a predominantly white area, with 92.4% of the population identifying as white. The white population has shrunk by 4.7% in the last 5 years. The second most common race or ethnicity in Cambridge, VT is black, making up 1.7% of the population. Foreign-born residents account for 1.3% of the population in Cambridge, VT, and this percentage has decreased by 43.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 92.4% | -4.7% |
% Black | 1.7% | ∞% |
% Hispanic | 0.8% | -27.3% |
% Asian | 0.1% | -66.7% |
% Foreign Born | 1.3% | -43.5% |
Mortgage and Risk — Cambridge, VT
According to HUD data as of 2023, there were 76 mortgage originations in Cambridge, VT, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 49.0%, with 12.0% above 90% LTV (elevated). This implies medium mortgage risk in Cambridge, VT. Investor activity is low, as 0.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 76 |
% Conventional Loans | 95.0% |
% Government Loans | 5.0% |
% Investor Loans | 0.0% |
% Second Loans | 8.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Cambridge, VT
Cambridge, VT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 14 |
Total Units Section 8 | 14 |
% Rentals under Section 8 | 3.2% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,300 |
| 2 Bedroom | -$100 | $1,800 | $1,700 |
| 3 Bedroom | N/A | N/A | $2,160 |
| 4 Bedroom | -$530 | $2,800 | $2,270 |
Affordability — Cambridge, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $375,000 |
| Median Household Income | $86,500 |