Market Overview
Home Prices in Waterville, VT
The median home value in Waterville, VT is $335,571 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.1% compared to a year ago and down 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waterville are priced18% below average.
Price History
Waterville Home Price Trend
2024
$369,423
$369K
—
2025
$353,510
$354K
-4.3%
2026
$335,571
$336K
-5.1%
City Comparison
Waterville vs. National Median
🏠 Waterville
$335,571
National Median
$410,000
At $335,571, homes in Waterville cost 18% below the national median of $410,000. This makes Waterville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waterville?
20% Down Payment
$67,114
on $335,571
Monthly P&I
$1,750/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,223/mo
incl. taxes & insurance
Income Needed
$88,920
gross annual (30% rule)
10% Down Option
$33,557
+ PMI applies
Loan Amount (20% dn)
$268,457
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 Waterville, VT?
The median home value in Waterville is $335,571 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.1% year-over-year.
How much have home prices changed in Waterville?
Over the past year, home values in Waterville have decreased by 5.1%.
How much do I need to earn to buy a home in Waterville?
To comfortably afford the median home price of $335,571 with a 20% down payment ($67,114) at today's rates (6.8%), you'd need a gross annual income of approximately $88,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Waterville compare to the national average home price?
The national median home value is approximately $410,000. At $335,571, homes in Waterville are 18% below the national average.