Waterbury, VT—05676
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Waterbury, VT
Home Price Trends — Waterbury, VT
As of Oct '25, the median home price in Waterbury, VT is $464,000, with a year-over-year change of -2.4%. This indicates that home prices in Waterbury, VT are decreasing. 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 | $464,000 | -2.4% |
| Single Family | $476,000 | -2.5% |
| Condos | $308,000 | 6.6% |
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 — Waterbury, VT
As of July '25, Rentcast reports the average rent in Waterbury, VT is $2,680, with a year-over-year rent change of 57.6%. Per bedroom, the median rent as of July '25 in Waterbury, VT is 1-bedrooms: $1,900, 2-bedrooms: $2,400, 3-bedrooms: $4,500. The most common rental property sizes in Waterbury, VT are 2-bedroom and 1-bedroom, accounting for 51.4% and 30.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $2,680 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,900 | $1,900 |
| 2 Bed Rent | $2,400 | $2,400 |
| 3 Bed Rent | $4,500 | $4,500 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Waterbury, VT
As of Oct '25, Realtor.com reports that the median days on market for a home in Waterbury, VT is 91. This is a increase of 107.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $515,000 | 5.0% |
Listing Count | 22 | 17.0% |
| Listings as % of Homes | 0.2% | 17.0% |
Days on Market | 91 | 107.0% |
Demographics — Waterbury, VT
As of the latest ACS Survey released in 2023, Waterbury, VT has a population of 4,890, which has remained stable by 0.7% over the past 5 years. Waterbury, VT is a moderately popular place for families, as children make up 20.6% of the population. The area has a highly educated workforce, with 53.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 20.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,890 | 0.7% |
% Under 18 | 20.6% | 1.5% |
% Seniors | 17.1% | 23.0% |
% WFH | 20.6% | 390.5% |
% w/ College Degree | 53.1% | 12.7% |
As of the latest ACS Survey released in 2023, Waterbury, VT is a predominantly white area, with 93.6% of the population identifying as white. The white population has shrunk by 1.4% in the last 5 years. The second most common race or ethnicity in Waterbury, VT is hispanic, making up 1.4% of the population. Foreign-born residents account for 3.5% of the population in Waterbury, VT, and this percentage has increased by 29.6% 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 | 93.6% | -1.4% |
% Black | 0.1% | ∞% |
% Hispanic | 1.4% | 27.3% |
% Asian | 0.4% | -81.8% |
% Foreign Born | 3.5% | 29.6% |
Mortgage and Risk — Waterbury, VT
According to HUD data as of 2023, there were 186 mortgage originations in Waterbury, VT, of which 97.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 10.0% above 90% LTV (elevated). This implies medium mortgage risk in Waterbury, VT. Investor activity is low, as 1.0% 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 | 186 |
% Conventional Loans | 97.0% |
% Government Loans | 3.0% |
% Investor Loans | 1.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Waterbury, VT
Waterbury, VT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 49 |
Total Units Section 8 | 49 |
% Rentals under Section 8 | 6.6% |
% Occupied Section 8 | 89.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$600 | $1,900 | $1,300 |
| 2 Bedroom | -$700 | $2,400 | $1,700 |
| 3 Bedroom | -$2,340 | $4,500 | $2,160 |
| 4 Bedroom | N/A | N/A | $2,270 |
Affordability — Waterbury, VT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5 |
| Median Home Price | $464,000 |
| Median Household Income | $91,500 |