Vermont Mortgage Calculator (2026)
Calculate your monthly payment with Vermont-specific property tax (1.90%) and average insurance ($1,050/yr).
Monthly payment
Payment breakdown
Loan summary
Amortization schedule (first 12 + every 12 months)
| Month | Principal | Interest | PMI/MIP | Balance |
|---|---|---|---|---|
| 1 | $296.56 | $2,110.50 | $150.75 | $361,503 |
| 2 | $298.29 | $2,108.77 | $150.75 | $361,205 |
| 3 | $300.03 | $2,107.03 | $150.75 | $360,905 |
| 4 | $301.78 | $2,105.28 | $150.75 | $360,603 |
| 5 | $303.55 | $2,103.52 | $150.75 | $360,300 |
| 6 | $305.32 | $2,101.75 | $150.75 | $359,994 |
| 7 | $307.10 | $2,099.97 | $150.75 | $359,687 |
| 8 | $308.89 | $2,098.18 | $150.75 | $359,378 |
| 9 | $310.69 | $2,096.37 | $150.75 | $359,068 |
| 10 | $312.50 | $2,094.56 | $150.75 | $358,755 |
| 11 | $314.33 | $2,092.74 | $150.75 | $358,441 |
| 12 | $316.16 | $2,090.91 | $150.75 | $358,125 |
| 24 | $339.01 | $2,068.05 | $150.75 | $354,184 |
| 36 | $363.52 | $2,043.54 | $150.75 | $349,958 |
| 48 | $389.80 | $2,017.26 | $150.75 | $345,427 |
| 60 | $417.98 | $1,989.09 | $150.75 | $340,568 |
| 72 | $448.19 | $1,958.87 | $150.75 | $335,358 |
| 84 | $480.59 | $1,926.47 | $150.75 | $329,771 |
| 96 | $515.34 | $1,891.73 | $150.75 | $323,781 |
| 108 | $552.59 | $1,854.47 | $150.75 | $317,357 |
| 120 | $592.54 | $1,814.53 | — | $310,469 |
| 132 | $635.37 | $1,771.69 | — | $303,083 |
| 144 | $681.30 | $1,725.76 | — | $295,163 |
| 156 | $730.55 | $1,676.51 | — | $286,671 |
| 168 | $783.37 | $1,623.70 | — | $277,565 |
| 180 | $840.00 | $1,567.07 | — | $267,800 |
| 192 | $900.72 | $1,506.34 | — | $257,330 |
| 204 | $965.83 | $1,441.23 | — | $246,102 |
| 216 | $1,035.65 | $1,371.41 | — | $234,063 |
| 228 | $1,110.52 | $1,296.54 | — | $221,154 |
| 240 | $1,190.80 | $1,216.26 | — | $207,312 |
| 252 | $1,276.88 | $1,130.18 | — | $192,469 |
| 264 | $1,369.19 | $1,037.88 | — | $176,552 |
| 276 | $1,468.17 | $938.90 | — | $159,486 |
| 288 | $1,574.30 | $832.76 | — | $141,185 |
| 300 | $1,688.11 | $718.96 | — | $121,562 |
| 312 | $1,810.14 | $596.92 | — | $100,520 |
| 324 | $1,941.00 | $466.07 | — | $77,956 |
| 336 | $2,081.31 | $325.75 | — | $53,762 |
| 348 | $2,231.77 | $175.29 | — | $27,819 |
| 360 | $2,393.10 | $13.96 | — | $0 |
What the payment actually costs
Expect roughly $7,600 a year in property tax on a $400,000 home here. Vermont's effective rate of 1.90% ranks 5th of 51, compared with about 1.10% nationally — $633 a month that never appears in a quoted mortgage payment.
Homeowners insurance runs about $1,050 a year in Vermont, 50th of 51 states and below the $1,552 national average. Together, tax and insurance add roughly $721 a month to the payment before you have paid a dollar of principal.
How this fits the rest of your tax bill
Vermont taxes both income and property, so neither side offsets the other. Property tax at 1.90% ranks 5th of 51, and state income tax applies on top. Model both together when comparing against a no-income-tax state, because the comparison flips depending on how much house you buy relative to what you earn.
Housing costs compound with the rate. Vermont runs about 1% below national-average costs, so the same 1.90% rate applies to a smaller assessed value than it would elsewhere. A percentage rate is only half the number that matters; the base it applies to is the other half.
Property tax rates are effective statewide averages; your county assessor sets the actual figure and it varies widely within a state. See our methodology.