The calculator below is pre-filled with Chittenden County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Vermont's statewide figures.

Chittenden County at a glance

Effective property tax rate: 1.44% of home value / year
Median home price: $524,000
Homeowners insurance (avg/year): $1,069
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 50007. Full source list on /methodology.

Chittenden County, VT mortgage payment calculator

All-in cost first, always — pre-filled with Chittenden County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Closing Costs in Vermont: What You'll Actually Pay

Vermont's property transfer tax is tiered and the buyer is the one legally liable for it — about $4,288 on the state's $423,700 median-priced home.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Vermont at a glance

Median home price: $423,700
Typical closing costs: 3%–5% of price
Transfer tax: 1.01% of sale price, customarily paid by buyer
Closing custom: attorney
Homestead exemption: Vermont has no ad-valorem homestead exemption in the FL/TX sense. Instead, all Vermont property is taxed for the statewide education property tax as either 'homestead' or 'nonhomestead,' at different rates — a homestead (a Vermont resident's owned and occupied principal dwelling and surrounding parcel) generally gets the lower homestead education tax rate versus the nonhomestead rate applied to second homes, rentals, and commercial property. This is not automatic: Vermont law requires the owner to file a Homestead Declaration (Form HS-122) annually by the April filing deadline to be correctly assessed at the homestead rate. Separately, the Vermont Property Tax Credit (filed on the same HS-122 form) provides income-based relief on both the state education and municipal portions of property tax for homeowners who file a Homestead Declaration, are domiciled in VT year-round, and meet a household income limit ($115,400 for tax year 2025) — maximum credit $5,600 (education portion) + $2,400 (municipal portion).

First-time buyer / down payment assistance programs

VHFA MOVE Mortgage
Vermont Housing Finance Agency's primary fixed-rate first mortgage, typically VHFA's lowest interest rate, available through VHFA Participating Lenders statewide; first-time-homebuyer status required in certain counties. Can be paired with ASSIST down payment assistance or the First Generation Homebuyer Grant. Subject to county-grouped income and purchase price limits.
VHFA ASSIST Down Payment Assistance
Second mortgage of up to $10,000 for down payment and/or closing costs, structured as a 0%-interest deferred loan with no monthly payments, repaid at sale, refinance, or payoff of the first mortgage. Must be paired with a VHFA first mortgage (e.g. MOVE or Advantage).