05733 — Rutland County, Vermont Market Snapshot
Housing market data for zip code 05733 in Rutland County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$405,000
Days to Sell
131
Homes Sold
15
Inventory
28
Sale-to-List
94.8%
New Listings
25
Price/SqFt
$185
Pending Sales
20
Conforming Loan Available
Most homebuyers in 05733 can comfortably use conventional financing. The median home price of $405,000 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
With homes sitting for 131 days on average, 05733 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 05733 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 05733 can comfortably use conventional financing. The median home price of $405,000 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 05733 are set at the county level.
2026 Loan Limits — Rutland 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 05733
To purchase the median home at $405,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,253.
Monthly Payment
$3,253
Income Required
$139,413
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,250
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 05733.
Estimated Monthly Payment
$2,656
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