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Grafton CDP, VT

ZIP 05146 — 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 05146

Median Home Value
$295,300
Median Rent
$850
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,897/mo PITI).

12%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

29.0 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 05146 in Grafton CDP, VT, a household would need roughly $81,000 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 $1,897. That is roughly in line with the local median household income ($86,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.1%+41% vs US avg
x
Vacancy Rate
38.5%+273% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
42.3%+11% vs US avg
x
$295,300
Home Value
$850
Rent
1976
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached91.9%
  • 1-unit attached0.0%
  • 2-9 units0.9%
  • 10+ units1.8%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,300
Median rent$850
Owner-occupied92.1%
Vacant38.5%
Price-to-income3.4x
Est. income to buy$81,000