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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Cabot, VT Housing Affordability Index

Cabot, Vermont has an MBR Housing Affordability Index score of 122.4 (Highly Affordable) as of October 30, 2026, ranking 21st most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $199,100 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,090, or 17% of the city’s $77,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cabot is updated every night from live Vermont mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Cabot MBR-HAI 122.4 Highly Affordable
Rank in Vermont 21 of 133 1 = most affordable
Vermont 89.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Vermont lenders
Median home value $199,100 U.S. Census Bureau

Cabot is 32.7 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Cabot Mortgage Rates

See What You Can Afford in Cabot, Vermont

Use this Cabot, Vermont home affordability calculator to see how much house you can afford at today’s Vermont average 30-year mortgage rate of 7.28%. A household earning the Cabot median income of $77,250, with no other debts and $40,000 down, can afford a home of about $238,974, compared with a median home value of $199,100. Buying the median priced home with 20% down takes a household income of about $59,500 once property tax and insurance are counted.

Cabot median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Vermont average, 30-year fixed
Cabot median bill (Census)
Estimate; use your quote
You can afford a home up to
$238,974
At or above the Cabot median home value of $199,100
Loan amount$198,974
Principal & interest$1,361/mo
Property tax$259/mo
Home insurance$100/mo
PMI$83/mo
Total monthly payment$1,803/mo
Compare Cabot Mortgage Rates

How much house can you afford in Cabot?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Cabot, property taxes run about 1.30% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $3,801 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Cabot

$1,090/mo
Principal & Interest
Median home, 20% down, 7.28%
$46,700
Income Needed
To keep principal and interest at 28% of income
$77,250
Median Household Income
Vermont: $81,203
2.6x
Price-to-Income Ratio
Vermont: 3.9x
$1,406/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,591/yr
Median Property Tax
1.30% of median value
16.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cabot, Vermont. The rate is the Vermont average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Cabot Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cabot, Vermont score: 122.4 (Highly Affordable), ranked 21 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/cabot”