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

Waitsfield, VT Housing Affordability Index

Waitsfield, Vermont has an MBR Housing Affordability Index score of 49.2 (Least Affordable) as of October 30, 2026, ranking 132nd most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $453,100 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,480, or 113% of the city’s $26,384 median household income.

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

Waitsfield MBR-HAI 49.2 Least Affordable
Rank in Vermont 132 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 $453,100 U.S. Census Bureau

Waitsfield is 40.6 points below the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Waitsfield Mortgage Rates

What It Takes to Buy in Waitsfield

$2,480/mo
Principal & Interest
Median home, 20% down, 7.28%
$106,300
Income Needed
To keep the payment at 28% of income
$26,384
Median Household Income
Vermont: $81,203
17.2x
Price-to-Income Ratio
Vermont: 3.9x
$794/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,007/yr
Median Property Tax
Vermont figure
40.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Waitsfield Ranks in Vermont

Cities with similar scores
#129West Burke61.9 #130Manchester61.8 #131Hinesburg60.6
#132Waitsfield49.2
#133Fairlee46.6
Powered byMonitorBankRates

Cite the Waitsfield Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Waitsfield, Vermont score: 49.2 (Least Affordable), ranked 132 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/waitsfield”