New England Landmark Realty

Vermont Home Cost Calculator

Estimate your monthly payment, Vermont property transfer tax, and cash to close. Pick a town to start from its 2026 median sale price, then adjust anything.

Your purchase

Start from a town

Purchase price

Down payment

Interest rate

Example rate. Use the rate on your Loan Estimate.

Loan term

30 years 20 years 15 years

How you'll use the home

Primary residence Primary, VHFA-financed Second home Seasonal camp or long-term rental

Sets the Vermont property transfer tax, which the buyer pays at closing.

Property tax rate

Example. Enter the town's total rate (per $100 of value). Find it on the town's tax bill or ask the town clerk; education rates are at tax.vermont.gov.

Homeowners insurance

$/yr

Example. Get a quote for the home you're considering.

Mortgage insurance (PMI)

%/yr

Example. Usually applies with less than 20% down; ask your lender.

Other closing costs

Example, as a share of the price: lender, title, attorney, prepaids. Your Loan Estimate lists the real figures.

Estimated monthly payment $0 /mo

Principal and interest
Property tax
Homeowners insurance
Mortgage insurance

Cash to close

Down payment
Vermont property transfer tax
Other closing costs (estimate)
Estimated total

Loan amount:

How your transfer tax is figured

Next steps

Talk with our team Find a local lender How to shop for a mortgage

Office 802-253-4711 · Tony Walton 802-233-4107

Get Vermont market updates by email