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Chittenden County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Chittenden County, Vermont based on real HMDA transaction records.

Loan Details

Chittenden County, VT Benchmarks

FHA averages
Typical Property Value$445,577
Average Down Payment11.4%
Average Interest Rate6.321%
Effective Tax Rate1.44%
Median Tax Paid$6,617/yr
Tax Growth (Historical)-1.7%
Based on 104 regional loans totaling $39,800,000 (HMDA database).
$
%

$50,796 down · $394,781 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$535 / month

$

Annual premium

$

Per month

%

$167 / month

Estimated Monthly Payment

$3,344/mo

  • Principal & Interest$2,492
  • Property Tax$535
  • Home Insurance$150
  • FHA MIP$167
Amortization · Remaining Balance

Financed Loan Amount

$401,690

Total Interest

$495,283

Total of Payments

$896,973

*Includes financed FHA Upfront MIP of $6,909

Local Market Insights

Chittenden County FHA Mortgage Overview

With an 11.42% down payment and an 88.58% LTV ratio on a $445,577 FHA-financed home in Chittenden County, buyers gain accessible entry but must carry mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those under a 620 credit score. The 1.44% effective property tax rate, despite a -1.7% inflation-adjusted decline, still adds significant monthly cost. When evaluating an FHA loan with PMI and taxes in Chittenden County, VT, this data confirms the market favors owner-occupants, not investors, and the down payment structure keeps monthly payments predictable despite the 6.321% rate.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.