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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

Manchester, VT Housing Affordability Index

Manchester, Vermont has an MBR Housing Affordability Index score of 61.8 (Significantly Less Affordable) as of October 30, 2026, ranking 130th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $511,400 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,799, or 45% of the city’s $74,659 median household income.

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

Manchester MBR-HAI 61.8 Significantly Less Affordable
Rank in Vermont 130 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 $511,400 U.S. Census Bureau

Manchester is 27.9 points below the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Manchester Mortgage Rates

What It Takes to Buy in Manchester

$2,799/mo
Principal & Interest
Median home, 20% down, 7.28%
$119,900
Income Needed
To keep the payment at 28% of income
$74,659
Median Household Income
Vermont: $81,203
6.8x
Price-to-Income Ratio
Vermont: 3.9x
$2,529/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,574/yr
Median Property Tax
1.48% of median value
32.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Manchester Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Manchester, Vermont score: 61.8 (Significantly Less Affordable), ranked 130 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/manchester”