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Hardwick CDP, VT

ZIP 05843 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05843

Median Home Value
$181,100
Median Rent
$682
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,163/mo PITI).

15%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

22.1 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 05843 in Hardwick CDP, VT, a household would need roughly $50,000 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 $1,163. That is roughly in line with the local median household income ($54,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.8%+13% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
75.2%-14% vs US avg
x
4+ Bedrooms
8.5%-43% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.4%+56% vs US avg
x
$181,100
Home Value
$682
Rent
1968
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached65.4%
  • 1-unit attached2.3%
  • 2-9 units11.3%
  • 10+ units1.8%
  • Mobile home & other19.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,100
Median rent$682
Owner-occupied73.8%
Vacant13.3%
Price-to-income3.3x
Est. income to buy$50,000