Market Overview
Home Prices in Middlebury, VT
The median home value in Middlebury, VT is $461,204 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1% compared to a year ago and down 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Middlebury are priced12% above average.
Over the past five years, Middlebury home values have risen by approximately21.6%, reflecting strong long-term appreciation in this market.
Price History
Middlebury Home Price Trend
2020
$324,727
$325K
—
2021
$379,346
$379K
+16.8%
2022
$441,864
$442K
+16.5%
2023
$453,138
$453K
+2.6%
2024
$461,044
$461K
+1.7%
2025
$456,433
$456K
-1.0%
2026
$461,204
$461K
+1.0%
City Comparison
Middlebury vs. National Median
🏠 Middlebury
$461,204
National Median
$410,000
At $461,204, homes in Middlebury cost 12% above the national median of $410,000. Buyers in Middlebury should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Middlebury?
20% Down Payment
$92,241
on $461,204
Monthly P&I
$2,405/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,054/mo
incl. taxes & insurance
Income Needed
$122,160
gross annual (30% rule)
10% Down Option
$46,120
+ PMI applies
Loan Amount (20% dn)
$368,963
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 Middlebury, VT?
The median home value in Middlebury is $461,204 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1% year-over-year.
How much have home prices changed in Middlebury?
Over the past year, home values in Middlebury have increased by 1%. Over five years, prices have risen approximately 21.6%.
How much do I need to earn to buy a home in Middlebury?
To comfortably afford the median home price of $461,204 with a 20% down payment ($92,241) at today's rates (6.8%), you'd need a gross annual income of approximately $122,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Middlebury compare to the national average home price?
The national median home value is approximately $410,000. At $461,204, homes in Middlebury are 12% above the national average.