Vermont mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Chittenden County | 1,492 | 6.375% | $5,012 | 6.125% |
| Franklin County | 528 | 6.375% | $5,249 | 6.125% |
| Washington County | 515 | 6.438% | $4,893 | 6.25% |
| Windsor County | 463 | 6.5% | $5,136 | 6.5% |
| Rutland County | 345 | 6.625% | $5,852 | 6.25% |
| Windham County | 239 | 6.5% | $5,353 | 6.25% |
| Orleans County | 238 | 6.47% | $4,619 | 6.5% |
| Caledonia County | 216 | 6.5% | $4,758 | 6.25% |
| Addison County | 216 | 6.5% | $5,588 | 6.375% |
| Orange County | 209 | 6.5% | $5,006 | 6.5% |
| Lamoille County | 191 | 6.5% | $5,395 | 6.31% |
| Bennington County | 158 | 6.625% | $5,805 | 5.99% |
| Grand Isle County | 68 | 6.45% | $5,134 | 6.188% |
| Essex County | 39 | 6.625% | $4,686 | 6.375% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.