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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

Vergennes, VT Housing Affordability Index

Vergennes, Vermont has an MBR Housing Affordability Index score of 89.9 (Moderately Less Affordable) as of October 30, 2026, ranking 83rd most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $310,000 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,697, or 27% of the city’s $76,587 median household income.

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

Vergennes MBR-HAI 89.9 Moderately Less Affordable
Rank in Vermont 83 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 $310,000 U.S. Census Bureau

Vergennes is 0.1 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Vergennes Mortgage Rates

What It Takes to Buy in Vergennes

$1,697/mo
Principal & Interest
Median home, 20% down, 7.28%
$72,700
Income Needed
To keep the payment at 28% of income
$76,587
Median Household Income
Vermont: $81,203
4.0x
Price-to-Income Ratio
Vermont: 3.9x
$1,324/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,988/yr
Median Property Tax
1.93% of median value
20.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Vergennes Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Vergennes, Vermont score: 89.9 (Moderately Less Affordable), ranked 83 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/vergennes”