Question 1

What are current mortgage rates in Vermont?

Accepted Answer

As of March 2026, mortgage rates in Vermont are in line with national averages. The 30-year fixed rate ranges from 6.5% to 7.2%, the 15-year fixed from 5.9% to 6.5%, and the 5/1 ARM from 5.8% to 6.4% for borrowers with good credit (700+). The best rates (starting at 6.5% for 30-year fixed) are available to borrowers with 750+ credit scores and 20%+ down payments.

Question 2

What is the Vermont housing market like?

Accepted Answer

Vermont's housing market is defined by its small size, limited inventory, and strong lifestyle appeal. Burlington is the most active market and has seen significant price appreciation. The pandemic brought a wave of remote workers from Boston and New York, pushing up prices throughout the state. Ski towns like Stowe and Killington command significant premiums. Vermont has strict land use regulations (Act 250) that limit new housing supply.

Question 3

How do I get the best mortgage rate in Vermont?

Accepted Answer

To get the best mortgage rate in Vermont, compare quotes from at least 3–5 lenders including local banks, credit unions, and online lenders. A credit score of 750 or higher, a down payment of 20% or more, and a low debt-to-income ratio will qualify you for the lowest rates. Use our Loan Finder tool to identify which loan type best fits your situation.

Mortgage Rates in Vermont Today

Current Rate Ranges in Vermont

Vermont Housing Market Overview