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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

Chittenden, VT Housing Affordability Index

Chittenden, Vermont has an MBR Housing Affordability Index score of 172.0 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $252,500 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,382, or 10% of the city’s $158,125 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Chittenden 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.

Chittenden MBR-HAI 172.0 Highly Affordable
Rank in Vermont 2 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 $252,500 U.S. Census Bureau

Chittenden is 82.2 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Chittenden Mortgage Rates

What It Takes to Buy in Chittenden

$1,382/mo
Principal & Interest
Median home, 20% down, 7.28%
$59,200
Income Needed
To keep the payment at 28% of income
$158,125
Median Household Income
Vermont: $81,203
1.6x
Price-to-Income Ratio
Vermont: 3.9x
$1,347/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,278/yr
Median Property Tax
1.69% of median value
15.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Chittenden Ranks in Vermont

Cities with similar scores
#1Websterville177.2
#2Chittenden172.0
#3Sheffield166.9 #4Saxtons River165.7 #5Canaan157.3
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Cite the Chittenden Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Chittenden, Vermont score: 172.0 (Highly Affordable), ranked 2 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/chittenden”