05055 — Windsor County, Vermont Market Snapshot
Housing market data for zip code 05055 in Windsor County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,137,675
Days to Sell
34
Homes Sold
11
Inventory
7
Sale-to-List
100.3%
New Listings
18
Price/SqFt
$344
Pending Sales
18
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,137,675 median-priced home in 05055 is $1,080,791. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $248,041 above the limit. A base loan at or below the limit would require at least 26.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 05055 is 34 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 05055 is 100.3%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,137,675 median-priced home in 05055 is $1,080,791. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $248,041 above the limit. A base loan at or below the limit would require at least 26.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 05055 are set at the county level.
2026 Loan Limits — Windsor County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 05055
To purchase the median home at $1,137,675 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $9,317.
Monthly Payment
$9,317
Income Required
$399,293
Principal & Interest
$7,010/mo
Property Tax
$1,707/mo
Home Insurance
$150/mo
Estimated PMI
$450/mo
Down Payment (5%)
$56,884
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 05055.
Estimated Monthly Payment
$7,191
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 05055. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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