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Chelsea CDP, VT

ZIP 05038 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05038

Median Home Value
$229,900
Median Rent
$918
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,477/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 05038 in Chelsea CDP, VT, a household would need roughly $63,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,477. That is roughly in line with the local median household income ($65,057). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.4%+31% vs US avg
x
Vacancy Rate
29.2%+183% vs US avg
x
Broadband Access
85.7%-1% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$229,900
Home Value
$918
Rent
1965
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached81.9%
  • 1-unit attached0.0%
  • 2-9 units5.9%
  • 10+ units2.1%
  • Mobile home & other10.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,900
Median rent$918
Owner-occupied85.4%
Vacant29.2%
Price-to-income3.5x
Est. income to buy$63,000