05465 — Chittenden County, Vermont Market Snapshot
Housing market data for zip code 05465 in Chittenden County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$440,000
Days to Sell
25
Homes Sold
11
Inventory
12
Sale-to-List
99.4%
New Listings
16
Price/SqFt
$291
Pending Sales
9
Conforming Loan Available
Most homebuyers in 05465 can comfortably use conventional financing. The median home price of $440,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 05465 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 05465 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 05465 can comfortably use conventional financing. The median home price of $440,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 05465 are set at the county level.
2026 Loan Limits — Chittenden County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $575,000 |
| 2 Units | $1,066,250 | $736,100 |
| 3 Units | $1,288,800 | $889,800 |
| 4 Units | $1,601,750 | $1,105,800 |
Affordability Snapshot — Zip 05465
To purchase the median home at $440,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,906
Principal & Interest
$2,711/mo
Down Payment (5%)
$22,000
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 05465.
Estimated Monthly Payment
$2,873
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