ZIP Code 05602 — Montpelier city, VT Demographics & Data

ZIP code 05602 covers Montpelier, VT in Washington County with a population of about 12,491.

At a glance, the area shows median age of 45.2 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Montpelier, VT sits in a university / college context (near community college of vermont (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 05602 is about $81,552 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 2.8%; 60.7% of adults with a bachelor’s degree or higher (about 27.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Public administration; about 23.4% of workers reporting work-from-home (about 8.2 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $341,700 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,112 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 67.1% (about 1.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05602 in Montpelier, VT, a household would need roughly $94,000 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 $2,195. That is about 15% above the local median household income ($81,552), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Montpelier city, VT as Relatively Low (composite score 52.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (70.9) and hurricane (67.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Montpelier city, VT show little to no average snow and around 41.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 644 for ZIP 05602 (Montpelier city, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.