Swanton, VT—05488
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Swanton, VT
As of Oct '25, the median home price in Swanton, VT is $344,000, with a year-over-year change of 0.3%. This indicates that home prices in Swanton, VT are flat. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $344,000 | 0.3% |
| Single Family | $345,000 | 0.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $290,000 | -0.3% |
3 Bed | $366,000 | 0.5% |
4 Bed | $390,000 | 0.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Swanton, VT
As of July '25, Rentcast reports the average rent in Swanton, VT is $1,800, with a year-over-year rent change of -28.0%. Per bedroom, the median rent as of July '25 in Swanton, VT is 1-bedrooms: $1,800. The most common rental property sizes in Swanton, VT are 2-bedroom and 3-bedroom, accounting for 50.5% and 29.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,800 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,800 | $1,800 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Swanton, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Swanton, VT is 61. This is a decrease of -7.0% 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 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $495,000 | 9.0% |
Listing Count | 31 | 21.0% |
| Listings as % of Homes | 0.3% | 21.0% |
Days on Market | 61 | -7.0% |
Demographics — Swanton, VT
As of the latest ACS Survey released in 2023, Swanton, VT has a population of 7,900, which has decreased by -4.2% over the past 5 years. Swanton, VT is a moderately popular place for families, as children make up 20.3% of the population. The area has a poorly educated workforce, with 21.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,900 | -4.2% |
% Under 18 | 20.3% | -9.0% |
% Seniors | 18.1% | 6.5% |
% WFH | 14.0% | 125.8% |
% w/ College Degree | 21.5% | 31.9% |
As of the latest ACS Survey released in 2023, Swanton, VT is a predominantly white area, with 90.7% of the population identifying as white. The white population has grown by 0.2% in the last 5 years. The second most common race or ethnicity in Swanton, VT is asian, making up 1.6% of the population. Foreign-born residents account for 3.4% of the population in Swanton, VT, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 90.7% | 0.2% |
% Black | 0.3% | 200.0% |
% Hispanic | 1.2% | 20.0% |
% Asian | 1.6% | ∞% |
% Foreign Born | 3.4% | 0.0% |
Mortgage and Risk — Swanton, VT
According to HUD data as of 2023, there were 164 mortgage originations in Swanton, VT, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Swanton, VT. Investor activity is low, as 4.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 164 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Swanton, VT
Swanton, VT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 146 |
Total Units Section 8 | 146 |
% Rentals under Section 8 | 22.6% |
% Occupied Section 8 | 84.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$410 | $1,800 | $1,390 |
| 2 Bedroom | N/A | N/A | $1,830 |
| 3 Bedroom | N/A | N/A | $2,360 |
| 4 Bedroom | N/A | N/A | $2,430 |
Affordability — Swanton, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $344,000 |
| Median Household Income | $73,100 |