Montpelier, VT—05602
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Montpelier, VT
As of Oct '25, the median home price in Montpelier, VT is $418,000, with a year-over-year change of 0.5%. This indicates that home prices in Montpelier, VT are flat. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $418,000 | 0.5% |
| Single Family | $432,000 | 0.2% |
| Condos | $296,000 | 6.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $323,000 | 4.2% |
3 Bed | $430,000 | 1.7% |
4 Bed | $507,000 | 1.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Montpelier, VT
As of July '25, Rentcast reports the average rent in Montpelier, VT is $1,540, with a year-over-year rent change of 7.7%. Per bedroom, the median rent as of July '25 in Montpelier, VT is studios: $1,330, 1-bedrooms: $1,530, 2-bedrooms: $1,590, 3-bedrooms: $1,700. The most common rental property sizes in Montpelier, VT are 1-bedroom and 2-bedroom, accounting for 39.9% and 38.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,580 | $1,540 |
| Studio Rent | $1,050 | $1,330 |
| 1 Bed Rent | $1,500 | $1,530 |
| 2 Bed Rent | $1,670 | $1,590 |
| 3 Bed Rent | $1,700 | $1,700 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Montpelier, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Montpelier, VT is 68. This is a increase of 84.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $455,000 | 6.0% |
Listing Count | 50 | 85.0% |
| Listings as % of Homes | 0.2% | 85.0% |
Days on Market | 68 | 84.0% |
Demographics — Montpelier, VT
As of the latest ACS Survey released in 2023, Montpelier, VT has a population of 12,500, which has increased by 6.0% over the past 5 years. Montpelier, VT is a moderately popular place for families, as children make up 18.8% of the population. The area has a highly educated workforce, with 60.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 23.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,500 | 6.0% |
% Under 18 | 18.8% | -0.5% |
% Seniors | 24.2% | 22.2% |
% WFH | 23.4% | 188.9% |
% w/ College Degree | 60.7% | 9.2% |
As of the latest ACS Survey released in 2023, Montpelier, VT is a predominantly white area, with 89.1% of the population identifying as white. The white population has shrunk by 4.0% in the last 5 years. The second most common race or ethnicity in Montpelier, VT is hispanic, making up 3.0% of the population. Foreign-born residents account for 3.7% of the population in Montpelier, VT, and this percentage has decreased by 2.6% 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 | 89.1% | -4.0% |
% Black | 1.1% | -8.3% |
% Hispanic | 3.0% | 57.9% |
% Asian | 1.3% | -18.8% |
% Foreign Born | 3.7% | -2.6% |
Mortgage and Risk — Montpelier, VT
According to HUD data as of 2023, there were 190 mortgage originations in Montpelier, VT, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Montpelier, VT. Investor activity is low, as 2.0% 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 | 190 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Montpelier, VT
Montpelier, VT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 337 |
Total Units Section 8 | 277 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 92.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$330 | $1,500 | $1,170 |
| 2 Bedroom | -$140 | $1,670 | $1,530 |
| 3 Bedroom | $200 | $1,700 | $1,900 |
| 4 Bedroom | N/A | N/A | $2,130 |
Affordability — Montpelier, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.9 |
| Median Home Price | $418,000 |
| Median Household Income | $81,600 |