Local costs · Vermont
What a home costs across Vermont
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Vermont, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,109 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Vermont property transfer tax: graduated by price (tiered) — buyer customarily paysNon-principal-residence purchases are taxed at 3.62% on the full value.On the $352,800 state median home, the buyer’s customary share is about $3,246.
- Title insurance
- Vermont uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Vermont income tax is modeled at about 2.48% effective for a married household at $100,000 (4.14% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 14 counties in Vermont
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Addison County | 1.57% | $750–$1,680typical $1,160 |
| Bennington County | 1.64% | $860–$1,910typical $1,320 |
| Caledonia County | 1.76% | $910–$2,030typical $1,400 |
| Chittenden County | 1.51% | $550–$1,230typical $850 |
| Essex County | 1.76% | $900–$2,020typical $1,390 |
| Franklin County | 1.41% | $550–$1,230typical $850 |
| Grand Isle County | 1.32% | $550–$1,230typical $850 |
| Lamoille County | 1.57% | $730–$1,640typical $1,130 |
| Orange County | 1.67% | $810–$1,800typical $1,240 |
| Orleans County | 1.65% | $720–$1,610typical $1,110 |
| Rutland County | 1.81% | $770–$1,710typical $1,180 |
| Washington County | 1.75% | $680–$1,510typical $1,040 |
| Windham County | 1.81% | $920–$2,040typical $1,410 |
| Windsor County | 1.84% | $830–$1,860typical $1,280 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.