Market Overview
Home Prices in Waterford, VT
The median home value in Waterford, VT is $366,517 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.8% compared to a year ago and down 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waterford are priced11% below average.
Over the past five years, Waterford home values have risen by approximately26.9%, reflecting strong long-term appreciation in this market.
Price History
Waterford Home Price Trend
2020
$249,897
$250K
—
2021
$288,856
$289K
+15.6%
2022
$340,164
$340K
+17.8%
2023
$361,341
$361K
+6.2%
2024
$387,032
$387K
+7.1%
2025
$373,262
$373K
-3.6%
2026
$366,517
$367K
-1.8%
City Comparison
Waterford vs. National Median
🏠 Waterford
$366,517
National Median
$410,000
At $366,517, homes in Waterford cost 11% below the national median of $410,000. This makes Waterford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waterford?
20% Down Payment
$73,303
on $366,517
Monthly P&I
$1,912/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,428/mo
incl. taxes & insurance
Income Needed
$97,120
gross annual (30% rule)
10% Down Option
$36,652
+ PMI applies
Loan Amount (20% dn)
$293,214
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 Waterford, VT?
The median home value in Waterford is $366,517 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.8% year-over-year.
How much have home prices changed in Waterford?
Over the past year, home values in Waterford have decreased by 1.8%. Over five years, prices have risen approximately 26.9%.
How much do I need to earn to buy a home in Waterford?
To comfortably afford the median home price of $366,517 with a 20% down payment ($73,303) at today's rates (6.8%), you'd need a gross annual income of approximately $97,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Waterford compare to the national average home price?
The national median home value is approximately $410,000. At $366,517, homes in Waterford are 11% below the national average.