Compare Rutland, VT mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Rutland.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Rutland. Plus, shopping lenders is free and there is no obligation.
August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Rutland. Understand how much you need to earn to afford a home in Rutland, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Rutland fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Rutland is right for you.
The median home value for Rutland, VT is $204,897
Based on current mortgage rates and a 10% down payment, you need to make $42,745 per year to buy the median priced home in Rutland
With this income, you could qualify for a $184,407 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Rutland is $990
The median household income for Rutland, VT is $60,623
Based on this income, you can afford a home valued at approximately $290,598
The home price you can afford to buy based on household income in Rutland is 142% of the median home value which means housing prices are average. Rutland ranks 2 out of 14 counties in Vermont and 2,090 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Rutland, VT is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Rutland below.
Conforming loan limits for Rutland, VT
FHA loan limits for Rutland, VT