Mortgage Calculator & Closing Costs: St. Albans, VT
Mortgage payment estimates, closing cost breakdowns, and homebuying data for St. Albans, Vermont.
Median Home Price
$295K
Population
7K
Avg Monthly Rent
$1,280
Property Tax Rate
1.9% *
* Property tax shown is the Vermont state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in St. Albans.
St. Albans vs Vermont Median
The median home price in St. Albans is $295,000, which is 22% below the Vermont state median of $380,000.
Mortgage Calculator — St. Albans, VT
Pre-filled with St. Albans median home price and Vermont tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $295K home using Vermont's 1.9% tax rate and $1,100/yr insurance.
5% Down
$2,494/mo
Down: $14,750
Loan: $280K
P&I: $1,771
Tax: $467
Insurance: $92
PMI: $163
10% Down
$2,392/mo
Down: $29,500
Loan: $266K
P&I: $1,678
Tax: $467
Insurance: $92
PMI: $155
20% Down (No PMI)
$2,050/mo
Down: $59,000
Loan: $236K
P&I: $1,492
Tax: $467
Insurance: $92
Income needed (28% rule): $88K/year with 20% down, $103K/year with 10% down.
Rent vs Buy in St. Albans
Rent
$1,280/mo
vs
Buy (10% down)
$2,392/mo
Price-to-rent ratio: 19.2 — A ratio between 15-20 means the rent vs buy decision in St. Albans depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in St. Albans is $295,000, 22% below the Vermont state median of $380,000. With a population of 6,918, St. Albans 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 $295,000 home in St. Albans would carry roughly $467/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 St. Albans is $1,280/month. The price-to-rent ratio in St. Albans is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
St. Albans presents moderate affordability. The $295K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in St. Albans.