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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

Swanton, VT Housing Affordability Index

Swanton, Vermont has an MBR Housing Affordability Index score of 93.8 (Near National Average) as of October 30, 2026, ranking 74th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $229,000 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,253, or 23% of the city’s $66,607 median household income.

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

Swanton MBR-HAI 93.8 Near National Average
Rank in Vermont 74 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 $229,000 U.S. Census Bureau

Swanton is 4.0 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Swanton Mortgage Rates

See What You Can Afford in Swanton, Vermont

Use this Swanton, 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 Swanton median income of $66,607, with no other debts and $46,000 down, can afford a home of about $210,991, compared with a median home value of $229,000. Buying the median priced home with 20% down takes a household income of about $73,500 once property tax and insurance are counted.

Swanton median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Vermont average, 30-year fixed
Swanton median bill (Census)
Estimate; use your quote
You can afford a home up to
$210,991
Below the Swanton median home value of $229,000
Loan amount$164,991
Principal & interest$1,129/mo
Property tax$338/mo
Home insurance$88/mo
PMI$0/mo
Total monthly payment$1,554/mo
Compare Swanton Mortgage Rates

How much house can you afford in Swanton?

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 Swanton, property taxes run about 1.92% 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 $3,117 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 Swanton

$1,253/mo
Principal & Interest
Median home, 20% down, 7.28%
$53,700
Income Needed
To keep principal and interest at 28% of income
$66,607
Median Household Income
Vermont: $81,203
3.4x
Price-to-Income Ratio
Vermont: 3.9x
$1,593/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,395/yr
Median Property Tax
1.92% of median value
38.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Swanton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Swanton, Vermont score: 93.8 (Near National Average), ranked 74 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/swanton”