Mortgage Calculator & Closing Costs: St. Johnsbury, VT
Mortgage payment estimates, closing cost breakdowns, and homebuying data for St. Johnsbury, Vermont.
Median Home Price
$195K
Population
7K
Avg Monthly Rent
$980
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. Johnsbury.
St. Johnsbury vs Vermont Median
The median home price in St. Johnsbury is $195,000, which is 49% below the Vermont state median of $380,000.
Mortgage Calculator — St. Johnsbury, VT
Pre-filled with St. Johnsbury median home price and Vermont tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $195K home using Vermont's 1.9% tax rate and $1,100/yr insurance.
5% Down
$1,679/mo
Down: $9,750
Loan: $185K
P&I: $1,171
Tax: $309
Insurance: $92
PMI: $108
10% Down
$1,612/mo
Down: $19,500
Loan: $176K
P&I: $1,109
Tax: $309
Insurance: $92
PMI: $102
20% Down (No PMI)
$1,386/mo
Down: $39,000
Loan: $156K
P&I: $986
Tax: $309
Insurance: $92
Income needed (28% rule): $59K/year with 20% down, $69K/year with 10% down.
Rent vs Buy in St. Johnsbury
Rent
$980/mo
vs
Buy (10% down)
$1,612/mo
Price-to-rent ratio: 16.6 — A ratio between 15-20 means the rent vs buy decision in St. Johnsbury 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. Johnsbury is $195,000, 49% below the Vermont state median of $380,000. With a population of 7,364, St. Johnsbury 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 $195,000 home in St. Johnsbury would carry roughly $309/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. Johnsbury is $980/month. The price-to-rent ratio in St. Johnsbury is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
St. Johnsbury 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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in St. Johnsbury.