Market Overview
Home Prices in Derby, VT
The median home value in Derby, VT is $314,757 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.8% compared to a year ago and down 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Derby are priced23% below average.
Over the past five years, Derby home values have risen by approximately30.2%, reflecting strong long-term appreciation in this market.
Price History
Derby Home Price Trend
2020
$213,653
$214K
—
2021
$241,781
$242K
+13.2%
2022
$280,828
$281K
+16.1%
2023
$292,590
$293K
+4.2%
2024
$306,563
$307K
+4.8%
2025
$303,320
$303K
-1.1%
2026
$314,757
$315K
+3.8%
City Comparison
Derby vs. National Median
🏠 Derby
$314,757
National Median
$410,000
At $314,757, homes in Derby cost 23% below the national median of $410,000. This makes Derby a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Derby?
20% Down Payment
$62,951
on $314,757
Monthly P&I
$1,642/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,085/mo
incl. taxes & insurance
Income Needed
$83,400
gross annual (30% rule)
10% Down Option
$31,476
+ PMI applies
Loan Amount (20% dn)
$251,806
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, VT?
The median home value in Derby is $314,757 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.8% year-over-year.
How much have home prices changed in Derby?
Over the past year, home values in Derby have increased by 3.8%. Over five years, prices have risen approximately 30.2%.
How much do I need to earn to buy a home in Derby?
To comfortably afford the median home price of $314,757 with a 20% down payment ($62,951) at today's rates (6.8%), you'd need a gross annual income of approximately $83,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Derby compare to the national average home price?
The national median home value is approximately $410,000. At $314,757, homes in Derby are 23% below the national average.