Vermont
RestrictedOpportunity ZoneVermont real estate investment market
Median Home Value
$381,496
Est. Cap Rate
2.5%
Based on rent yield × 65%
Vacancy Rate
20.1%
73% owner-occupied
Population
645K
Median income: $78,024
Vermont Investment Analysis
Vermont is a major metropolitan market with 645K residents and a median home value of $381,496. The 2.5% cap rate positions Vermont as a premium appreciation market where equity growth drives returns. Values are stable with 0.2% annual growth, offering predictable returns without overheating risk.
Market Details
Housing Stock
337K units
Single-family: 227K
Multifamily: 76K (22.6%)
Investment Metrics
Gross Yield 3.8%
Cap Rate 2.5%
Price-to-Rent 26.6 (Favors renting)
Property Tax $4,956/yr
Demographics
Median Income $78,024
Median Age 43.0
Employment 99.7%
Home Value Trends
1-Year Appreciation +0.2%
3-Year Appreciation +5.3%
5-Year Appreciation +30.0%
Rental Market
$1,193/mo
Renter population: 27.2%
Lending Status
Restricted
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Investor Resources — Vermont
Key government departments and regulatory contacts for real estate investors
Contractor Licensing
Vermont Office of Professional Regulation - Secretary of State
Residential contractor registration required; specialty trades (electrical plumbing) licensed through Division of Fire Safety
Eviction Court
Superior Court - Civil Division
14-day notice to pay or quit; ~60-90 days total; tenant-friendly; ejectment action
Real Estate Commission
Vermont Real Estate Commission
Under Office of Professional Regulation Secretary of State; Montpelier
Rent Control
N/A - No Rent Control
No rent control statewide. No preemption - cities may enact rent control but none have done so.
Top Counties in Vermont
14 counties by population
Chittenden County
Rutland County
Washington County
Windsor County
Franklin County
Windham County
Addison County
Bennington County
Top Cities in Vermont
179 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| BurlingtonChittenden County | 45K | $495,142 | 3.3% | View → |
| South BurlingtonChittenden County | 20K | $471,089 | 3.8% | View → |
| RutlandRutland County | 16K | $271,148 | 2.7% | View → |
| Essex Junction | 11K | $376,800 | 3.0% | View → |
| BenningtonBennington County | 9K | $244,646 | 3.5% | View → |
| BarreWashington County | 8K | $294,851 | 2.6% | View → |
| WinooskiChittenden County | 8K | $420,408 | 4.0% | View → |
| MontpelierWashington County | 8K | $400,478 | 2.3% | View → |
| BrattleboroWindham County | 8K | $309,539 | 4.2% | View → |
| MiddleburyAddison County | 7K | $434,450 | 2.3% | View → |
| St. Albans | 7K | $245,600 | 3.7% | View → |
| ShelburneChittenden County | 6K | $659,007 | 1.5% | View → |
| St. Johnsbury | 6K | $171,900 | 4.0% | View → |
| NewportOrleans County | 4K | $247,737 | 2.7% | View → |
| NorthfieldWashington County | 4K | $308,392 | 2.5% | View → |
Top Neighborhoods in Vermont
6 neighborhoods
Vermont Investment Report
Comprehensive state market analysis
Get the Complete Vermont Market Analysis
Make data-driven investment decisions with our comprehensive state report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Counties in Vermont for DSCR Investment
Our data team analyzed every countie in Vermont to find the best opportunities for cash-flowing DSCR investments.
Top 10 Counties
Vermont | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Vermont deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on Vermont opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000