MonitorBankRates
☰
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

Putney, VT Housing Affordability Index

Putney, Vermont has an MBR Housing Affordability Index score of 69.8 (Significantly Less Affordable) as of October 30, 2026, ranking 120th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $246,500 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,349, or 34% of the city’s $47,159 median household income.

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

Putney MBR-HAI 69.8 Significantly Less Affordable
Rank in Vermont 120 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 $246,500 U.S. Census Bureau

Putney is 20.0 points below the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Putney Mortgage Rates

See What You Can Afford in Putney, Vermont

Use this Putney, 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 Putney median income of $47,159, with no other debts and $49,000 down, can afford a home of about $155,493, compared with a median home value of $246,500. Buying the median priced home with 20% down takes a household income of about $83,100 once property tax and insurance are counted.

Putney median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Vermont average, 30-year fixed
Putney median bill (Census)
Estimate; use your quote
You can afford a home up to
$155,493
Below the Putney median home value of $246,500
Loan amount$106,493
Principal & interest$728/mo
Property tax$307/mo
Home insurance$65/mo
PMI$0/mo
Total monthly payment$1,100/mo
Compare Putney Mortgage Rates

How much house can you afford in Putney?

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 Putney, property taxes run about 2.37% 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 $1,932 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 Putney

$1,349/mo
Principal & Interest
Median home, 20% down, 7.28%
$57,800
Income Needed
To keep principal and interest at 28% of income
$47,159
Median Household Income
Vermont: $81,203
5.2x
Price-to-Income Ratio
Vermont: 3.9x
$1,182/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,833/yr
Median Property Tax
2.37% of median value
59.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
65.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Putney Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Putney, Vermont score: 69.8 (Significantly Less Affordable), ranked 120 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/putney”