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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

Derby Line, VT Housing Affordability Index

Derby Line, Vermont has an MBR Housing Affordability Index score of 115.1 (More Affordable Than Average) as of October 30, 2026, ranking 34th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $201,000 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,100, or 18% of the city’s $71,518 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Derby Line 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.

Derby Line MBR-HAI 115.1 More Affordable Than Average
Rank in Vermont 34 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 $201,000 U.S. Census Bureau

Derby Line is 25.4 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Derby Line Mortgage Rates

What It Takes to Buy in Derby Line

$1,100/mo
Principal & Interest
Median home, 20% down, 7.28%
$47,100
Income Needed
To keep the payment at 28% of income
$71,518
Median Household Income
Vermont: $81,203
2.8x
Price-to-Income Ratio
Vermont: 3.9x
$1,145/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,205/yr
Median Property Tax
1.59% of median value
21.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Derby Line Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Derby Line, Vermont score: 115.1 (More Affordable Than Average), ranked 34 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/derby-line”