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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

South Hero, VT Housing Affordability Index

South Hero, Vermont has an MBR Housing Affordability Index score of 85.6 (Moderately Less Affordable) as of October 30, 2026, ranking 93rd most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $475,000 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,599, or 32% of the city’s $98,654 median household income.

The MBR Housing Affordability Index (MBR-HAI) for South Hero 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.

South Hero MBR-HAI 85.6 Moderately Less Affordable
Rank in Vermont 93 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 $475,000 U.S. Census Bureau

South Hero is 4.1 points below the Vermont score. Scores as of October 30, 2026. See the Vermont index

View South Hero Mortgage Rates

What It Takes to Buy in South Hero

$2,599/mo
Principal & Interest
Median home, 20% down, 7.28%
$111,400
Income Needed
To keep the payment at 28% of income
$98,654
Median Household Income
Vermont: $81,203
4.8x
Price-to-Income Ratio
Vermont: 3.9x
$1,671/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,357/yr
Median Property Tax
1.13% of median value
14.6%
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 South Hero, Vermont. The rate is the Vermont average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the South Hero Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. South Hero, Vermont score: 85.6 (Moderately Less Affordable), ranked 93 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/south-hero”