05340 — Bennington County, Vermont Market Snapshot
Housing market data for zip code 05340 in Bennington County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$802,500
Days to Sell
87
Homes Sold
18
Inventory
24
Sale-to-List
97.0%
New Listings
25
Price/SqFt
$356
Pending Sales
21
Conforming Loan Available
The median home in 05340 at $802,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 87 days on average, 05340 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 05340 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 05340 at $802,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 05340 are set at the county level.
2026 Loan Limits — Bennington County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 05340
To purchase the median home at $802,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,299.
Monthly Payment
$6,299
Income Required
$269,936
Principal & Interest
$4,945/mo
Down Payment (5%)
$40,125
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 05340.
Estimated Monthly Payment
$5,117
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