Vermont Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Vermont. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.02%
Avg APR
15yr Fixed
6.42%
Avg APR
Median Price
$375,000
Median home
Monthly P&I
$2,000
30yr at 80% LTV
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Top Mortgage Lenders in Vermont
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Vermont
- ✓VHFA HOME Program
- ✓VHFA MOVE Program
- ✓NeighborWorks Vermont DPA
Mortgage Requirements in Vermont
- •Min 640 credit score for VHFA programs
- •Income limits apply
- •Required homebuyer education course
Vermont Housing Market Facts
Burlington is the primary market; rural Vermont offers excellent value.
Vermont has the 5th highest property taxes nationally (1.83% avg).
VHFA MOVE provides up to $12,500 in DPA.
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