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Mortgage Calculator &
Closing Costs: Barre, VT

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Barre, Vermont.

Median Home Price
$225K
Population
8K
Avg Monthly Rent
$1,120
Property Tax Rate
1.9%
Barre vs Vermont Median
The median home price in Barre is $225,000, which is 41% below the Vermont state median of $380,000.

Mortgage Calculator — Barre, VT

Pre-filled with Barre median home price and Vermont tax/insurance rates. Adjust for your property.

$
$45,000
%
%
years
VT avg
%
$
Monthly Payment (PITI)
$1,586
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,138
per month
Taxes & Insurance
$448
per month
Total Interest Paid
$230K
over 30 years
Total Loan Cost
$410K
all payments
Payment Breakdown
Loan Amount$180,000
Principal & Interest$1,138
Property Taxes$356
Homeowners Insurance$92
Total Monthly PITI$1,586

Closing Costs — Barre, VT

Estimated closing costs based on Vermont rates and fees applied to Barre prices.

$
%
Vermont: Avg closing costs 1.6% of price. Transfer tax: 1.45%.
Estimated Closing Costs
$11,844
5.3% of purchase price
Lender Fees
$2,045
origination, underwriting
Third-Party
$2,575
appraisal, title, inspection
Government Fees
$3,263
transfer taxes, recording
Prepaids + Escrow
$3,962
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,620
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,425
Recording Fee$150
Transfer Tax$3,263
Prepaid Taxes (3 mo)$1,069
Prepaid Insurance (12 mo)$1,100
Prepaid Interest (15 days)$541
Escrow Reserves$1,252
Total Closing Costs$11,844

Buying a Home in Barre, Vermont

The median home price in Barre is $225,000, 41% below the Vermont state median of $380,000. With a population of 8,491, Barre is a smaller market where home prices tend to be more accessible than in many parts of Vermont.

Property taxes in Vermont average 1.9% annually. This higher-than-average tax rate means a $225,000 home in Barre would carry roughly $356/month in property taxes alone — plan accordingly. Homeowners insurance in Vermont runs approximately $1,100 per year. This is within the normal range nationally.

Average rent in Barre is $1,120/month. The price-to-rent ratio in Barre is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Barre offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Vermont's VHFA MOVE Mortgage program.

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