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Mortgage Calculator &
Closing Costs: Stowe, VT

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

Median Home Price
$585K
Population
4K
Avg Monthly Rent
$2,050
Property Tax Rate
1.9%
Stowe vs Vermont Median
The median home price in Stowe is $585,000, which is 54% above the Vermont state median of $380,000.

Mortgage Calculator — Stowe, VT

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

$
$117,000
%
%
years
VT avg
%
$
Monthly Payment (PITI)
$3,976
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$2,958
per month
Taxes & Insurance
$1,018
per month
Total Interest Paid
$597K
over 30 years
Total Loan Cost
$1.1M
all payments
Payment Breakdown
Loan Amount$468,000
Principal & Interest$2,958
Property Taxes$926
Homeowners Insurance$92
Total Monthly PITI$3,976

Closing Costs — Stowe, VT

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

$
%
Vermont: Avg closing costs 1.6% of price. Transfer tax: 1.45%.
Estimated Closing Costs
$25,742
4.4% of purchase price
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Lender Fees
$4,637
origination, underwriting
Third-Party
$4,375
appraisal, title, inspection
Government Fees
$8,483
transfer taxes, recording
Prepaids + Escrow
$8,247
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$4,212
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,225
Recording Fee$150
Transfer Tax$8,483
Prepaid Taxes (3 mo)$2,779
Prepaid Insurance (12 mo)$1,100
Prepaid Interest (15 days)$1,406
Escrow Reserves$2,962
Total Closing Costs$25,742

Buying a Home in Stowe, Vermont

The median home price in Stowe is $585,000, 54% above the Vermont state median of $380,000. With a population of 4,314, Stowe is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Vermont average 1.9% annually. This higher-than-average tax rate means a $585,000 home in Stowe would carry roughly $926/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 Stowe is $2,050/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Stowe is a higher-cost market. At $585K median, buyers need significant savings or strong income. Down payment assistance through Vermont's VHFA MOVE Mortgage program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Stowe.
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