Market Overview
Home Prices in Derby Center, VT
The median home value in Derby Center, VT is $266,110 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Derby Center are priced35% below average.
Price History
Derby Center Home Price Trend
2024
$249,545
$250K
—
2025
$252,536
$253K
+1.2%
2026
$266,110
$266K
+5.4%
City Comparison
Derby Center vs. National Median
🏠 Derby Center
$266,110
National Median
$410,000
At $266,110, homes in Derby Center cost 35% below the national median of $410,000. This makes Derby Center a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Derby Center?
20% Down Payment
$53,222
on $266,110
Monthly P&I
$1,388/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,763/mo
incl. taxes & insurance
Income Needed
$70,520
gross annual (30% rule)
10% Down Option
$26,611
+ PMI applies
Loan Amount (20% dn)
$212,888
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 Derby Center, VT?
The median home value in Derby Center is $266,110 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Derby Center?
Over the past year, home values in Derby Center have increased by 5.4%.
How much do I need to earn to buy a home in Derby Center?
To comfortably afford the median home price of $266,110 with a 20% down payment ($53,222) at today's rates (6.8%), you'd need a gross annual income of approximately $70,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Derby Center compare to the national average home price?
The national median home value is approximately $410,000. At $266,110, homes in Derby Center are 35% below the national average.