Vermont Housing Affordability Index

Daily affordability score for Vermont compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Vermont

97.3

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #41 of 51 states

vs. National Average -3.3 points

30-yr Rate Used 6.292%

Median Home Value $316,600

Median Household Income $81,203

View all state rankings →

Vermont Affordability Ranking

#41 of 51 states — April 10, 2026 Less affordable than average

Most Affordable Least Affordable

More affordable than: 10 of 51 states (20%)

Less affordable than: 40 of 51 states (78%)

MBR-HAI Score: 97.3 vs. national 100.6 (-3.3 points)

Nearby States

↑ 38 more affordable states above

#39 CO 98.4

#40 MD 97.6

#41 Vermont ◀ 97.3

#42 DC 95.5

#43 CT 95.5

↓ 8 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Vermont MBR-HAI — 90-Day Trend

Vermont

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Vermont

$316,600

Median Home Value

U.S. median: varies by state

$81,203

Median Household Income

U.S. median: $80,734

3.9x

Price-to-Income Ratio

Home value ÷ income

$1,438/mo

Median Owner Costs

21.3% of income annually

$5,007/yr

Median Property Tax

1.58% effective rate

76.3%

Homeownership Rate

U.S. average: 65.7%

28.5%

Owner Cost Burden

% spending 30%+ of income on housing

6.292%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Vermont Ranks Among All States

#41

of 51 states

Least Affordable Most Affordable

Vermont is more affordable than 20% of U.S. states — Near National Average

97.3

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 37 states →
38	Hawaii	98.7	Near National Average
39	Colorado	98.4	Near National Average
40	Maryland	97.6	Near National Average
41	Vermont You are here	97.3	Near National Average
42	Dist. of Columbia	95.5	Near National Average
43	Connecticut	95.5	Near National Average
44	Washington	94.2	Near National Average
▼ See all 51 state rankings →

Showing states ranked near Vermont — April 10, 2026 • View complete national rankings →

Download Vermont HAI Data

Vermont History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,VT,97.3,100.6,6.292                

Download VT History (CSV)

All 51 States (CSV)

Compare Vermont to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Vermont ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Vermont Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Vermont.