Market Overview
Home Prices in Chelsea, VT
The median home value in Chelsea, VT is $292,394 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2% compared to a year ago and down 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Chelsea are priced29% below average. Chelsea is part of the Lebanon, NH-VT metro area.
Over the past five years, Chelsea home values have risen by approximately22.8%, reflecting strong long-term appreciation in this market.
Price History
Chelsea Home Price Trend
City Comparison
Chelsea vs. National Median
At $292,394, homes in Chelsea cost 29% below the national median of $410,000. This makes Chelsea a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Chelsea?
20% Down Payment
$58,479
on $292,394
Monthly P&I
$1,525/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,937/mo
incl. taxes & insurance
Income Needed
$77,480
gross annual (30% rule)
10% Down Option
$29,239
+ PMI applies
Loan Amount (20% dn)
$233,915
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Chelsea, VT?
The median home value in Chelsea is $292,394 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2% year-over-year.
How much have home prices changed in Chelsea?
Over the past year, home values in Chelsea have increased by 2%. Over five years, prices have risen approximately 22.8%.
How much do I need to earn to buy a home in Chelsea?
To comfortably afford the median home price of $292,394 with a 20% down payment ($58,479) at today's rates (6.8%), you'd need a gross annual income of approximately $77,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Chelsea compare to the national average home price?
The national median home value is approximately $410,000. At $292,394, homes in Chelsea are 29% below the national average.
What metro area is Chelsea part of?
Chelsea is part of the Lebanon, NH-VT metropolitan area. Home prices and market conditions can vary across the broader metro region.