ZIP Code 05040 — Newbury, VT Home Prices (2026)

The typical home in ZIP 05040 (Newbury, Vermont) is worth about $309,000 at roughly $163 per square foot — 5% more expensive than the Newbury median and 5% more expensive than the typical U.S. home.

$309,000

Typical home value

$163

Price per sq ft

#2 of 4

Newbury ZIPs by value

+5%

vs Newbury median

How 05040 compares

ZIP 05040 is one of the pricier ZIP codes in Newbury: its typical home value of $309,000 ranks #2 of the 4 Newbury ZIP codes we track (the citywide range runs from $266,000 in 05081 to $322,000 in 05051). Per square foot it costs about $163, against $157 for Newbury as a whole, $264 for Vermont, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 05040	$309,000	$163
Newbury, VT	$293,000	$157
Vermont	$369,500	$264
United States	$294,000	$195

Home value by size in 05040

Using this ZIP’s rate of about $163 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$163,000
1,500 sq ft	$244,500
2,000 sq ft	$326,000
2,500 sq ft	$407,500
3,000 sq ft	$489,000

Salary needed to buy a home in ZIP 05040

To buy the typical $309,000 home in ZIP 05040 with 20% down, you need a household income of roughly $84,000 a year (about $1,960 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $100,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$15,500	$2,440/mo	$104,000/yr
10% (+PMI)	$30,900	$2,330/mo	$100,000/yr
20%	$61,800	$1,960/mo	$84,000/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 ZIP 05040

At about $163 per square foot, here is roughly how much home different budgets get you in ZIP 05040:

Budget	Approx. size	What that looks like locally
$150k	920 sq ft	below the local median — condos, smaller or older homes
$200k	1230 sq ft	below the local median — condos, smaller or older homes
$250k	1530 sq ft	around the typical home here
$300k	1840 sq ft	around the typical home here
$400k	2450 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 05040 home.

Estimate a specific home in 05040

The estimator below is pre-set to ZIP 05040 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Newbury ZIP codes by home value

Where 05040 sits among Newbury’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	05051	$322,000	$252
2	05040 (this page)	$309,000	$163
3	05069	$277,000	$146
4	05081	$266,000	$151

ZIP 05040 home prices: frequently asked

What is the average home price in ZIP code 05040? +

The typical home in ZIP 05040 (Newbury, VT) is worth about $309,000 as of 2026. That is 5% more expensive than the Newbury median of $293,000 and 5% more expensive than the U.S. median of $294,000.

What is the price per square foot in 05040? +

About $163 per square foot in 05040, versus $157 across Newbury and $264 across Vermont. At that rate a 1,500 sq ft home runs roughly $244,500 and a 2,500 sq ft home about $407,500.

What salary do you need to buy a house in ZIP 05040? +

For the typical $309,000 home in ZIP 05040, a household income of about $84,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $100,000; with 5% down about $104,000.

Is 05040 an expensive ZIP code? +

Within Newbury, 05040 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Newbury. Nationally it is about average.

See the full Newbury home values page, all Vermont cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.