05091 — Windsor County, Vermont Market Snapshot
Housing market data for zip code 05091 in Windsor 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
$686,000
Days to Sell
128
Homes Sold
18
Inventory
34
Sale-to-List
94.8%
New Listings
20
Price/SqFt
$283
Pending Sales
17
Conforming Loan Available
The median home in 05091 at $686,000 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 128 days on average, 05091 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 05091 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 05091 at $686,000 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 05091 are set at the county level.
2026 Loan Limits — Windsor 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 05091
To purchase the median home at $686,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,406.
Monthly Payment
$5,406
Income Required
$231,682
Principal & Interest
$4,227/mo
Down Payment (5%)
$34,300
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 05091.
Estimated Monthly Payment
$4,396
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