Vermont · Property Tax & Closing Costs
Vermont property tax by county
Property tax rates, median home values, and closing cost estimates for all 14 counties in Vermont. The average effective rate across the state is 1.65%, ranking Vermont 6 of 51 (highest property taxes nationally). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
1.65%
across 14 counties
National rank
#6
of 51, highest rate first
Median home value
$288,150
county median in state
Rate range
1.32%–1.84%
Grand Isle County → Windsor County
Same home, different county
On a $288,150 home (the typical county median in Vermont), the annual property tax bill depends heavily on where you buy:
Difference
$1,507/yr
$126/mo · $15,070 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Vermont
The five Vermont counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Grand Isle County | 1.32% |
| Franklin County | 1.41% |
| Chittenden County | 1.51% |
| Lamoille County | 1.57% |
| Addison County | 1.57% |
Highest property tax rates in Vermont
The five Vermontcounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Windsor County | 1.84% |
| Rutland County | 1.81% |
| Windham County | 1.81% |
| Caledonia County | 1.76% |
| Essex County | 1.76% |
Vermont real estate transfer tax
Vermont charges a combined transfer tax of about 1.47% of the purchase price. On a $288,150 home, that is roughly $4,236 in total.
| Paid by | Rate | On $288,150 |
|---|---|---|
| Buyer | 1.47% | $4,236 |
| Seller | 0.00% | $0 |
Buyer-paid Property Transfer Tax, graduated by property type. Principal residence: 0.5% on first $200,000 of value + 1.47% (1.25% base + 0.22% Clean Water Surcharge) on portion above $200,000. Non-principal residence: 1.47% on full amount. VHCB/VHFA/USDA-financed principal residences: first $250,000 exempt, 1.47% above. buyer_rate 0.0147 reflects the marginal/upper-tier rate; effective rate on median-priced primary homes is lower.
Vermont is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.
Official Vermont source → · Verified April 2026
Closing costs in Vermont
Across Vermont's 14 counties, buyer closing costs run $4,106 to $11,564 at each county's median home value with 20% down. Cash needed at closing, with closing costs, the down payment and the transfer tax, runs $41,142 to $105,860. Pick your county for your own figures.
Vermont closing cost calculatorVermont property tax exemptions
Ways buyers in Vermont may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Homestead Declaration & Property Tax Credit
Vermont residents must annually declare their primary residence as a homestead (Form HS-122). Households with income ≤$115,400 qualify for a Property Tax Credit up to $5,600 on the education portion and $2,400 on the municipal portion.
View official source →Disabled Veterans Property Tax Exemption
Minimum $10,000 (up to $40,000 at town option) exemption off appraised value for veterans rated 50%+ service-connected disabled, VA improved pension recipients, and surviving spouses. Primary residence only.
View official source →Use Value Appraisal (Current Use)
Enrolled agricultural and forest land is taxed on its use value rather than market value, providing substantial relief to working farms and managed forestland.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 14 counties in Vermont
Effective property tax rate, median home value, and median annual taxes paid for every county in Vermont. Click a county to open its full property tax calculator and closing cost breakdown.
| County | Rate |
|---|---|
| Addison County | 1.57% |
| Bennington County | 1.64% |
| Caledonia County | 1.76% |
| Chittenden County | 1.51% |
| Essex County | 1.76% |
| Franklin County | 1.41% |
| Grand Isle County | 1.32% |
| Lamoille County | 1.57% |
| Orange County | 1.67% |
| Orleans County | 1.65% |
| Rutland County | 1.81% |
| Washington County | 1.75% |
| Windham County | 1.81% |
| Windsor County | 1.84% |
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.