Franklin County, VT Average Home Price (2026)
The average home price in Franklin County, Vermont is about $344,000 (the 2026 median across 13 ZIP codes, at ~$220/sq ft) — 2% more affordable than the Vermont median and 19% more expensive than the typical U.S. home.
How Franklin County compares
Franklin County is about average for housing nationally: its typical home costs $344,000 against $352,000 for Vermont and $289,000 for the U.S. Within the county, ZIP-level values run from about $248,000 to $456,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Franklin County | $344,000 | $220 |
| Vermont | $352,000 | $251 |
| United States | $289,000 | $193 |
Franklin County home prices by ZIP code
The 13 most valuable ZIP codes in Franklin County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 05454 Fairfax | $456,000 | $241 | +33% |
| 05455 Fairfield | $394,000 | $262 | +15% |
| 05448 Fairfield | $376,000 | $145 | +9% |
| 05478 Saint Albans | $370,000 | $238 | +8% |
| 05447 East Berkshire | $369,000 | $194 | +7% |
| 05488 Swanton | $345,000 | $220 | +0% |
| 05441 Bakersfield | $344,000 | $287 | +0% |
| 05483 Sheldon | $342,000 | $190 | -1% |
| 05471 Montgomery | $333,000 | $199 | -3% |
| 05459 Highgate | $332,000 | $227 | -3% |
| 05457 Franklin | $321,000 | $245 | -7% |
| 05450 Sheldon | $314,000 | $208 | -9% |
| 05476 Richford | $248,000 | $143 | -28% |
Home value appreciation in Franklin County
Home prices in Franklin County have risen about 88% over the last 10 years (≈6.5% a year) and +101.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.2% — still rising. A home worth $344,000 today was worth roughly $182,881 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Vermont is +88.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Franklin County
Run the numbers for Franklin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Franklin County
To buy the typical $344,000 home in Franklin County with 20% down, you need a household income of roughly $94,000 a year (about $2,180 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $111,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,200 | $2,710/mo | $116,000/yr |
| 10% (+PMI) | $34,400 | $2,590/mo | $111,000/yr |
| 20% | $68,800 | $2,180/mo | $94,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Franklin County
At about $220 per square foot, here is roughly how much home different budgets get you in Franklin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 910 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1360 sq ft | around the typical home here |
| $400k | 1820 sq ft | around the typical home here |
| $500k | 2270 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Vermont.
Estimate a specific home in Franklin County
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Franklin County home prices: frequently asked
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Browse all Vermont cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.