Vermont Mortgage Calculator

Estimate your monthly payment on a Vermont home, including the state's effective property tax rate of 1.78%.

Median Home Price

$390,000

est. 2025–2026

Property Tax Rate

1.78%

effective rate

Annual Property Tax

$6,942

on median home

Monthly Property Tax

$579

on median home

Loan Details

Home Price

Down Payment

Interest Rate

Loan Term

years

Start Date

Taxes, Insurance & Fees

Annual Property Tax

Annual Home Insurance

Annual HOA Fee

Annual Other Costs

Include PMI

Private Mortgage Insurance (required if down payment < 20%)

Estimated Monthly Payment

$2,161.46

Principal & Interest $1,769.79

Property Tax $291.67

Home Insurance $100.00

Total Loan Amount $280,000.00

Total of 360 payments $637,124.57

Total Interest Paid $357,124.57

Monthly Cost Breakdown

Loan Payoff Schedule

Full Amortization Table

Date	Principal	Interest	Ending Balance
Sep 2026	$253.12	$1,516.67	$279,746.88
Oct 2026	$254.49	$1,515.30	$279,492.38
Nov 2026	$255.87	$1,513.92	$279,236.51
Dec 2026	$257.26	$1,512.53	$278,979.25
Jan 2027	$258.65	$1,511.14	$278,720.60
Feb 2027	$260.05	$1,509.74	$278,460.54
Mar 2027	$261.46	$1,508.33	$278,199.08
Apr 2027	$262.88	$1,506.91	$277,936.20
May 2027	$264.30	$1,505.49	$277,671.90
Jun 2027	$265.73	$1,504.06	$277,406.16
Jul 2027	$267.17	$1,502.62	$277,138.99
Aug 2027	$268.62	$1,501.17	$276,870.37
Sep 2027	$270.08	$1,499.71	$276,600.29
Oct 2027	$271.54	$1,498.25	$276,328.75
Nov 2027	$273.01	$1,496.78	$276,055.74
Dec 2027	$274.49	$1,495.30	$275,781.26
Jan 2028	$275.98	$1,493.82	$275,505.28
Feb 2028	$277.47	$1,492.32	$275,227.81
Mar 2028	$278.97	$1,490.82	$274,948.84
Apr 2028	$280.48	$1,489.31	$274,668.35
May 2028	$282.00	$1,487.79	$274,386.35
Jun 2028	$283.53	$1,486.26	$274,102.82
Jul 2028	$285.07	$1,484.72	$273,817.75
Aug 2028	$286.61	$1,483.18	$273,531.14
Sep 2028	$288.16	$1,481.63	$273,242.98
Oct 2028	$289.72	$1,480.07	$272,953.25
Nov 2028	$291.29	$1,478.50	$272,661.96
Dec 2028	$292.87	$1,476.92	$272,369.09
Jan 2029	$294.46	$1,475.33	$272,074.63
Feb 2029	$296.05	$1,473.74	$271,778.58
Mar 2029	$297.66	$1,472.13	$271,480.92
Apr 2029	$299.27	$1,470.52	$271,181.65
May 2029	$300.89	$1,468.90	$270,880.76
Jun 2029	$302.52	$1,467.27	$270,578.24
Jul 2029	$304.16	$1,465.63	$270,274.08
Aug 2029	$305.81	$1,463.98	$269,968.28
Sep 2029	$307.46	$1,462.33	$269,660.82
Oct 2029	$309.13	$1,460.66	$269,351.69
Nov 2029	$310.80	$1,458.99	$269,040.89
Dec 2029	$312.49	$1,457.30	$268,728.40
Jan 2030	$314.18	$1,455.61	$268,414.22
Feb 2030	$315.88	$1,453.91	$268,098.34
Mar 2030	$317.59	$1,452.20	$267,780.75
Apr 2030	$319.31	$1,450.48	$267,461.44
May 2030	$321.04	$1,448.75	$267,140.40
Jun 2030	$322.78	$1,447.01	$266,817.62
Jul 2030	$324.53	$1,445.26	$266,493.09
Aug 2030	$326.29	$1,443.50	$266,166.80
Sep 2030	$328.05	$1,441.74	$265,838.75
Oct 2030	$329.83	$1,439.96	$265,508.92
Nov 2030	$331.62	$1,438.17	$265,177.30
Dec 2030	$333.41	$1,436.38	$264,843.89
Jan 2031	$335.22	$1,434.57	$264,508.67
Feb 2031	$337.04	$1,432.76	$264,171.63
Mar 2031	$338.86	$1,430.93	$263,832.77
Apr 2031	$340.70	$1,429.09	$263,492.08
May 2031	$342.54	$1,427.25	$263,149.53
Jun 2031	$344.40	$1,425.39	$262,805.14
Jul 2031	$346.26	$1,423.53	$262,458.88
Aug 2031	$348.14	$1,421.65	$262,110.74
Sep 2031	$350.02	$1,419.77	$261,760.71
Oct 2031	$351.92	$1,417.87	$261,408.79
Nov 2031	$353.83	$1,415.96	$261,054.97
Dec 2031	$355.74	$1,414.05	$260,699.22
Jan 2032	$357.67	$1,412.12	$260,341.55
Feb 2032	$359.61	$1,410.18	$259,981.95
Mar 2032	$361.55	$1,408.24	$259,620.39
Apr 2032	$363.51	$1,406.28	$259,256.88
May 2032	$365.48	$1,404.31	$258,891.40
Jun 2032	$367.46	$1,402.33	$258,523.93
Jul 2032	$369.45	$1,400.34	$258,154.48
Aug 2032	$371.45	$1,398.34	$257,783.03
Sep 2032	$373.47	$1,396.32	$257,409.56
Oct 2032	$375.49	$1,394.30	$257,034.07
Nov 2032	$377.52	$1,392.27	$256,656.55
Dec 2032	$379.57	$1,390.22	$256,276.98
Jan 2033	$381.62	$1,388.17	$255,895.36
Feb 2033	$383.69	$1,386.10	$255,511.67
Mar 2033	$385.77	$1,384.02	$255,125.90
Apr 2033	$387.86	$1,381.93	$254,738.04
May 2033	$389.96	$1,379.83	$254,348.08
Jun 2033	$392.07	$1,377.72	$253,956.01
Jul 2033	$394.20	$1,375.60	$253,561.82
Aug 2033	$396.33	$1,373.46	$253,165.49
Sep 2033	$398.48	$1,371.31	$252,767.01
Oct 2033	$400.64	$1,369.15	$252,366.37
Nov 2033	$402.81	$1,366.98	$251,963.57
Dec 2033	$404.99	$1,364.80	$251,558.58
Jan 2034	$407.18	$1,362.61	$251,151.40
Feb 2034	$409.39	$1,360.40	$250,742.01
Mar 2034	$411.60	$1,358.19	$250,330.41
Apr 2034	$413.83	$1,355.96	$249,916.57
May 2034	$416.08	$1,353.71	$249,500.50
Jun 2034	$418.33	$1,351.46	$249,082.17
Jul 2034	$420.60	$1,349.20	$248,661.57
Aug 2034	$422.87	$1,346.92	$248,238.70
Sep 2034	$425.16	$1,344.63	$247,813.53
Oct 2034	$427.47	$1,342.32	$247,386.07
Nov 2034	$429.78	$1,340.01	$246,956.28
Dec 2034	$432.11	$1,337.68	$246,524.17
Jan 2035	$434.45	$1,335.34	$246,089.72
Feb 2035	$436.80	$1,332.99	$245,652.92
Mar 2035	$439.17	$1,330.62	$245,213.75
Apr 2035	$441.55	$1,328.24	$244,772.20
May 2035	$443.94	$1,325.85	$244,328.26
Jun 2035	$446.35	$1,323.44	$243,881.91
Jul 2035	$448.76	$1,321.03	$243,433.15
Aug 2035	$451.19	$1,318.60	$242,981.95
Sep 2035	$453.64	$1,316.15	$242,528.31
Oct 2035	$456.10	$1,313.70	$242,072.22
Nov 2035	$458.57	$1,311.22	$241,613.65
Dec 2035	$461.05	$1,308.74	$241,152.60
Jan 2036	$463.55	$1,306.24	$240,689.06
Feb 2036	$466.06	$1,303.73	$240,223.00
Mar 2036	$468.58	$1,301.21	$239,754.42
Apr 2036	$471.12	$1,298.67	$239,283.29
May 2036	$473.67	$1,296.12	$238,809.62
Jun 2036	$476.24	$1,293.55	$238,333.38
Jul 2036	$478.82	$1,290.97	$237,854.57
Aug 2036	$481.41	$1,288.38	$237,373.15
Sep 2036	$484.02	$1,285.77	$236,889.13
Oct 2036	$486.64	$1,283.15	$236,402.49
Nov 2036	$489.28	$1,280.51	$235,913.22
Dec 2036	$491.93	$1,277.86	$235,421.29
Jan 2037	$494.59	$1,275.20	$234,926.70
Feb 2037	$497.27	$1,272.52	$234,429.43
Mar 2037	$499.96	$1,269.83	$233,929.46
Apr 2037	$502.67	$1,267.12	$233,426.79
May 2037	$505.40	$1,264.40	$232,921.39
Jun 2037	$508.13	$1,261.66	$232,413.26
Jul 2037	$510.89	$1,258.91	$231,902.38
Aug 2037	$513.65	$1,256.14	$231,388.72
Sep 2037	$516.43	$1,253.36	$230,872.29
Oct 2037	$519.23	$1,250.56	$230,353.06
Nov 2037	$522.04	$1,247.75	$229,831.01
Dec 2037	$524.87	$1,244.92	$229,306.14
Jan 2038	$527.72	$1,242.07	$228,778.42
Feb 2038	$530.57	$1,239.22	$228,247.85
Mar 2038	$533.45	$1,236.34	$227,714.40
Apr 2038	$536.34	$1,233.45	$227,178.06
May 2038	$539.24	$1,230.55	$226,638.82
Jun 2038	$542.16	$1,227.63	$226,096.66
Jul 2038	$545.10	$1,224.69	$225,551.56
Aug 2038	$548.05	$1,221.74	$225,003.51
Sep 2038	$551.02	$1,218.77	$224,452.48
Oct 2038	$554.01	$1,215.78	$223,898.48
Nov 2038	$557.01	$1,212.78	$223,341.47
Dec 2038	$560.02	$1,209.77	$222,781.45
Jan 2039	$563.06	$1,206.73	$222,218.39
Feb 2039	$566.11	$1,203.68	$221,652.28
Mar 2039	$569.17	$1,200.62	$221,083.11
Apr 2039	$572.26	$1,197.53	$220,510.85
May 2039	$575.36	$1,194.43	$219,935.49
Jun 2039	$578.47	$1,191.32	$219,357.02
Jul 2039	$581.61	$1,188.18	$218,775.41
Aug 2039	$584.76	$1,185.03	$218,190.66
Sep 2039	$587.92	$1,181.87	$217,602.73
Oct 2039	$591.11	$1,178.68	$217,011.62
Nov 2039	$594.31	$1,175.48	$216,417.31
Dec 2039	$597.53	$1,172.26	$215,819.78
Jan 2040	$600.77	$1,169.02	$215,219.02
Feb 2040	$604.02	$1,165.77	$214,615.00
Mar 2040	$607.29	$1,162.50	$214,007.70
Apr 2040	$610.58	$1,159.21	$213,397.12
May 2040	$613.89	$1,155.90	$212,783.23
Jun 2040	$617.21	$1,152.58	$212,166.02
Jul 2040	$620.56	$1,149.23	$211,545.46
Aug 2040	$623.92	$1,145.87	$210,921.54
Sep 2040	$627.30	$1,142.49	$210,294.24
Oct 2040	$630.70	$1,139.09	$209,663.54
Nov 2040	$634.11	$1,135.68	$209,029.43
Dec 2040	$637.55	$1,132.24	$208,391.88
Jan 2041	$641.00	$1,128.79	$207,750.88
Feb 2041	$644.47	$1,125.32	$207,106.41
Mar 2041	$647.96	$1,121.83	$206,458.44
Apr 2041	$651.47	$1,118.32	$205,806.97
May 2041	$655.00	$1,114.79	$205,151.97
Jun 2041	$658.55	$1,111.24	$204,493.42
Jul 2041	$662.12	$1,107.67	$203,831.30
Aug 2041	$665.70	$1,104.09	$203,165.60
Sep 2041	$669.31	$1,100.48	$202,496.29
Oct 2041	$672.94	$1,096.85	$201,823.35
Nov 2041	$676.58	$1,093.21	$201,146.77
Dec 2041	$680.25	$1,089.54	$200,466.52
Jan 2042	$683.93	$1,085.86	$199,782.59
Feb 2042	$687.63	$1,082.16	$199,094.96
Mar 2042	$691.36	$1,078.43	$198,403.60
Apr 2042	$695.10	$1,074.69	$197,708.49
May 2042	$698.87	$1,070.92	$197,009.63
Jun 2042	$702.65	$1,067.14	$196,306.97
Jul 2042	$706.46	$1,063.33	$195,600.51
Aug 2042	$710.29	$1,059.50	$194,890.22
Sep 2042	$714.14	$1,055.66	$194,176.09
Oct 2042	$718.00	$1,051.79	$193,458.08
Nov 2042	$721.89	$1,047.90	$192,736.19
Dec 2042	$725.80	$1,043.99	$192,010.39
Jan 2043	$729.73	$1,040.06	$191,280.65
Feb 2043	$733.69	$1,036.10	$190,546.97
Mar 2043	$737.66	$1,032.13	$189,809.31
Apr 2043	$741.66	$1,028.13	$189,067.65
May 2043	$745.67	$1,024.12	$188,321.98
Jun 2043	$749.71	$1,020.08	$187,572.26
Jul 2043	$753.77	$1,016.02	$186,818.49
Aug 2043	$757.86	$1,011.93	$186,060.63
Sep 2043	$761.96	$1,007.83	$185,298.67
Oct 2043	$766.09	$1,003.70	$184,532.58
Nov 2043	$770.24	$999.55	$183,762.34
Dec 2043	$774.41	$995.38	$182,987.93
Jan 2044	$778.61	$991.18	$182,209.32
Feb 2044	$782.82	$986.97	$181,426.50
Mar 2044	$787.06	$982.73	$180,639.44
Apr 2044	$791.33	$978.46	$179,848.11
May 2044	$795.61	$974.18	$179,052.50
Jun 2044	$799.92	$969.87	$178,252.57
Jul 2044	$804.26	$965.53	$177,448.32
Aug 2044	$808.61	$961.18	$176,639.71
Sep 2044	$812.99	$956.80	$175,826.71
Oct 2044	$817.40	$952.39	$175,009.32
Nov 2044	$821.82	$947.97	$174,187.50
Dec 2044	$826.27	$943.52	$173,361.22
Jan 2045	$830.75	$939.04	$172,530.47
Feb 2045	$835.25	$934.54	$171,695.22
Mar 2045	$839.77	$930.02	$170,855.44
Apr 2045	$844.32	$925.47	$170,011.12
May 2045	$848.90	$920.89	$169,162.22
Jun 2045	$853.50	$916.30	$168,308.73
Jul 2045	$858.12	$911.67	$167,450.61
Aug 2045	$862.77	$907.02	$166,587.84
Sep 2045	$867.44	$902.35	$165,720.40
Oct 2045	$872.14	$897.65	$164,848.27
Nov 2045	$876.86	$892.93	$163,971.40
Dec 2045	$881.61	$888.18	$163,089.79
Jan 2046	$886.39	$883.40	$162,203.40
Feb 2046	$891.19	$878.60	$161,312.22
Mar 2046	$896.02	$873.77	$160,416.20
Apr 2046	$900.87	$868.92	$159,515.33
May 2046	$905.75	$864.04	$158,609.58
Jun 2046	$910.66	$859.14	$157,698.93
Jul 2046	$915.59	$854.20	$156,783.34
Aug 2046	$920.55	$849.24	$155,862.79
Sep 2046	$925.53	$844.26	$154,937.26
Oct 2046	$930.55	$839.24	$154,006.71
Nov 2046	$935.59	$834.20	$153,071.12
Dec 2046	$940.66	$829.14	$152,130.47
Jan 2047	$945.75	$824.04	$151,184.72
Feb 2047	$950.87	$818.92	$150,233.84
Mar 2047	$956.02	$813.77	$149,277.82
Apr 2047	$961.20	$808.59	$148,316.62
May 2047	$966.41	$803.38	$147,350.21
Jun 2047	$971.64	$798.15	$146,378.57
Jul 2047	$976.91	$792.88	$145,401.66
Aug 2047	$982.20	$787.59	$144,419.46
Sep 2047	$987.52	$782.27	$143,431.94
Oct 2047	$992.87	$776.92	$142,439.08
Nov 2047	$998.25	$771.54	$141,440.83
Dec 2047	$1,003.65	$766.14	$140,437.18
Jan 2048	$1,009.09	$760.70	$139,428.09
Feb 2048	$1,014.55	$755.24	$138,413.53
Mar 2048	$1,020.05	$749.74	$137,393.48
Apr 2048	$1,025.58	$744.21	$136,367.91
May 2048	$1,031.13	$738.66	$135,336.78
Jun 2048	$1,036.72	$733.07	$134,300.06
Jul 2048	$1,042.33	$727.46	$133,257.73
Aug 2048	$1,047.98	$721.81	$132,209.75
Sep 2048	$1,053.65	$716.14	$131,156.10
Oct 2048	$1,059.36	$710.43	$130,096.73
Nov 2048	$1,065.10	$704.69	$129,031.63
Dec 2048	$1,070.87	$698.92	$127,960.77
Jan 2049	$1,076.67	$693.12	$126,884.10
Feb 2049	$1,082.50	$687.29	$125,801.59
Mar 2049	$1,088.37	$681.43	$124,713.23
Apr 2049	$1,094.26	$675.53	$123,618.97
May 2049	$1,100.19	$669.60	$122,518.78
Jun 2049	$1,106.15	$663.64	$121,412.63
Jul 2049	$1,112.14	$657.65	$120,300.49
Aug 2049	$1,118.16	$651.63	$119,182.33
Sep 2049	$1,124.22	$645.57	$118,058.11
Oct 2049	$1,130.31	$639.48	$116,927.80
Nov 2049	$1,136.43	$633.36	$115,791.37
Dec 2049	$1,142.59	$627.20	$114,648.78
Jan 2050	$1,148.78	$621.01	$113,500.01
Feb 2050	$1,155.00	$614.79	$112,345.01
Mar 2050	$1,161.25	$608.54	$111,183.75
Apr 2050	$1,167.55	$602.25	$110,016.21
May 2050	$1,173.87	$595.92	$108,842.34
Jun 2050	$1,180.23	$589.56	$107,662.11
Jul 2050	$1,186.62	$583.17	$106,475.49
Aug 2050	$1,193.05	$576.74	$105,282.44
Sep 2050	$1,199.51	$570.28	$104,082.93
Oct 2050	$1,206.01	$563.78	$102,876.93
Nov 2050	$1,212.54	$557.25	$101,664.38
Dec 2050	$1,219.11	$550.68	$100,445.28
Jan 2051	$1,225.71	$544.08	$99,219.56
Feb 2051	$1,232.35	$537.44	$97,987.21
Mar 2051	$1,239.03	$530.76	$96,748.19
Apr 2051	$1,245.74	$524.05	$95,502.45
May 2051	$1,252.49	$517.30	$94,249.96
Jun 2051	$1,259.27	$510.52	$92,990.69
Jul 2051	$1,266.09	$503.70	$91,724.60
Aug 2051	$1,272.95	$496.84	$90,451.65
Sep 2051	$1,279.84	$489.95	$89,171.81
Oct 2051	$1,286.78	$483.01	$87,885.03
Nov 2051	$1,293.75	$476.04	$86,591.29
Dec 2051	$1,300.75	$469.04	$85,290.53
Jan 2052	$1,307.80	$461.99	$83,982.73
Feb 2052	$1,314.88	$454.91	$82,667.85
Mar 2052	$1,322.01	$447.78	$81,345.84
Apr 2052	$1,329.17	$440.62	$80,016.67
May 2052	$1,336.37	$433.42	$78,680.31
Jun 2052	$1,343.61	$426.19	$77,336.70
Jul 2052	$1,350.88	$418.91	$75,985.82
Aug 2052	$1,358.20	$411.59	$74,627.62
Sep 2052	$1,365.56	$404.23	$73,262.06
Oct 2052	$1,372.95	$396.84	$71,889.11
Nov 2052	$1,380.39	$389.40	$70,508.72
Dec 2052	$1,387.87	$381.92	$69,120.85
Jan 2053	$1,395.39	$374.40	$67,725.46
Feb 2053	$1,402.94	$366.85	$66,322.52
Mar 2053	$1,410.54	$359.25	$64,911.97
Apr 2053	$1,418.18	$351.61	$63,493.79
May 2053	$1,425.87	$343.92	$62,067.92
Jun 2053	$1,433.59	$336.20	$60,634.34
Jul 2053	$1,441.35	$328.44	$59,192.98
Aug 2053	$1,449.16	$320.63	$57,743.82
Sep 2053	$1,457.01	$312.78	$56,286.81
Oct 2053	$1,464.90	$304.89	$54,821.90
Nov 2053	$1,472.84	$296.95	$53,349.07
Dec 2053	$1,480.82	$288.97	$51,868.25
Jan 2054	$1,488.84	$280.95	$50,379.41
Feb 2054	$1,496.90	$272.89	$48,882.51
Mar 2054	$1,505.01	$264.78	$47,377.50
Apr 2054	$1,513.16	$256.63	$45,864.34
May 2054	$1,521.36	$248.43	$44,342.98
Jun 2054	$1,529.60	$240.19	$42,813.38
Jul 2054	$1,537.88	$231.91	$41,275.49
Aug 2054	$1,546.21	$223.58	$39,729.28
Sep 2054	$1,554.59	$215.20	$38,174.69
Oct 2054	$1,563.01	$206.78	$36,611.68
Nov 2054	$1,571.48	$198.31	$35,040.20
Dec 2054	$1,579.99	$189.80	$33,460.21
Jan 2055	$1,588.55	$181.24	$31,871.66
Feb 2055	$1,597.15	$172.64	$30,274.51
Mar 2055	$1,605.80	$163.99	$28,668.71
Apr 2055	$1,614.50	$155.29	$27,054.21
May 2055	$1,623.25	$146.54	$25,430.96
Jun 2055	$1,632.04	$137.75	$23,798.92
Jul 2055	$1,640.88	$128.91	$22,158.04
Aug 2055	$1,649.77	$120.02	$20,508.27
Sep 2055	$1,658.70	$111.09	$18,849.57
Oct 2055	$1,667.69	$102.10	$17,181.88
Nov 2055	$1,676.72	$93.07	$15,505.16
Dec 2055	$1,685.80	$83.99	$13,819.35
Jan 2056	$1,694.94	$74.85	$12,124.42
Feb 2056	$1,704.12	$65.67	$10,420.30
Mar 2056	$1,713.35	$56.44	$8,706.95
Apr 2056	$1,722.63	$47.16	$6,984.33
May 2056	$1,731.96	$37.83	$5,252.37
Jun 2056	$1,741.34	$28.45	$3,511.03
Jul 2056	$1,750.77	$19.02	$1,760.26
Aug 2056	$1,760.26	$9.53	$0.00

Buying a home in Vermont

Vermont's housing market has tightened considerably since 2020, with remote workers bidding up limited inventory. Property tax rates at 1.78% reflect Vermont's education funding system.

With a median home price around $390,000 and an effective property tax rate of 1.78%, a typical Vermont homeowner pays about $6,942 per year in property taxes — roughly $579 per month on top of the principal-and-interest payment. Use the mortgage calculator above to adjust home price, down payment, interest rate, and loan term to model your specific situation in Vermont.

Understanding your Vermont mortgage payment

A typical Vermont mortgage payment includes four components, often abbreviated PITI:

Principal — the portion that reduces your loan balance each month
Interest — the cost of borrowing, based on your rate and remaining balance
Taxes — Vermont's effective property tax rate of 1.78% is collected monthly into an escrow account
Insurance — homeowner's insurance (and PMI if your down payment is under 20%)

Lenders use the front-end debt-to-income ratio (DTI) — your total housing payment divided by gross monthly income — to qualify you for a loan. Most conventional lenders target a front-end DTI under 28%. The calculator above shows your full monthly PITI estimate so you can check that ratio before applying.

Mortgage calculators for other states

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View all 50 US state calculators →

Also see: Vermont Income Tax Calculator

Understand how Vermont state income tax affects your take-home pay alongside your mortgage costs.

Vermont Income Tax Calculator →