Market Overview
Home Prices in Derby Line, VT
The median home value in Derby Line, VT is $252,038 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 13.9% compared to a year ago and down 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Derby Line are priced39% below average.
Over the past five years, Derby Line home values have risen by approximately38.0%, reflecting strong long-term appreciation in this market.
Price History
Derby Line Home Price Trend
2020
$163,887
$164K
—
2021
$182,670
$183K
+11.5%
2022
$204,970
$205K
+12.2%
2023
$206,498
$206K
+0.7%
2024
$224,850
$225K
+8.9%
2025
$221,254
$221K
-1.6%
2026
$252,038
$252K
+13.9%
City Comparison
Derby Line vs. National Median
🏠 Derby Line
$252,038
National Median
$410,000
At $252,038, homes in Derby Line cost 39% below the national median of $410,000. This makes Derby Line a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Derby Line?
20% Down Payment
$50,408
on $252,038
Monthly P&I
$1,314/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,669/mo
incl. taxes & insurance
Income Needed
$66,760
gross annual (30% rule)
10% Down Option
$25,204
+ PMI applies
Loan Amount (20% dn)
$201,630
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 Line, VT?
The median home value in Derby Line is $252,038 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 13.9% year-over-year.
How much have home prices changed in Derby Line?
Over the past year, home values in Derby Line have increased by 13.9%. Over five years, prices have risen approximately 38.0%.
How much do I need to earn to buy a home in Derby Line?
To comfortably afford the median home price of $252,038 with a 20% down payment ($50,408) at today's rates (6.8%), you'd need a gross annual income of approximately $66,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Derby Line compare to the national average home price?
The national median home value is approximately $410,000. At $252,038, homes in Derby Line are 39% below the national average.