Market Overview
Home Prices in Kirby, VT
The median home value in Kirby, VT is $371,097 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and down 9.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kirby are priced9% below average.
Price History
Kirby Home Price Trend
2024
$395,654
$396K
—
2025
$359,661
$360K
-9.1%
2026
$371,097
$371K
+3.2%
City Comparison
Kirby vs. National Median
🏠 Kirby
$371,097
National Median
$410,000
At $371,097, homes in Kirby cost 9% below the national median of $410,000. This makes Kirby a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kirby?
20% Down Payment
$74,219
on $371,097
Monthly P&I
$1,935/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,457/mo
incl. taxes & insurance
Income Needed
$98,280
gross annual (30% rule)
10% Down Option
$37,110
+ PMI applies
Loan Amount (20% dn)
$296,878
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 Kirby, VT?
The median home value in Kirby is $371,097 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.2% year-over-year.
How much have home prices changed in Kirby?
Over the past year, home values in Kirby have increased by 3.2%.
How much do I need to earn to buy a home in Kirby?
To comfortably afford the median home price of $371,097 with a 20% down payment ($74,219) at today's rates (6.8%), you'd need a gross annual income of approximately $98,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Kirby compare to the national average home price?
The national median home value is approximately $410,000. At $371,097, homes in Kirby are 9% below the national average.