Vermont Mortgage Rates Today — Compare VT Lenders
The average 30-year fixed mortgage rate in Vermont is currently 6.63% APR. Vermont has limited housing supply which keeps prices relatively high for a rural state. Burlington is the most active market. Compare today’s rates from top Vermont lenders across all major loan types below.
Vermont Mortgage Rate Comparison Table
Rates below assume a 740+ credit score, 20% down payment, and a $380,000 loan on a single-family primary residence in Vermont.
| Loan Type | Interest Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | 6.63% | 6.63% | Most Popular |
| 15-Year Fixed | 5.98% | 5.98% | Pay off faster, save interest |
| 5/1 ARM | 6.75% | 6.75% | Short-term owners |
| FHA 30-Year | 6.28% | 6.28% | Low down payment |
| VA 30-Year | 6.11% | 6.11% | Veterans & military |
| 30-Year Refinance | 6.75% | 6.75% | Existing homeowners |
Rates sourced from lender survey data and updated regularly. Actual rates vary by lender and borrower profile. See disclaimer.
Understanding Mortgage Rates in Vermont
Vermont’s housing market is constrained by limited supply and strong demand from remote workers and lifestyle migrants. Burlington is one of the smallest state capitals in the US but has an outsized cultural and economic influence. Vermont Home Mortgage offers programs for first-time buyers.
Vermont’s ski resorts drive vacation home demand. The state’s natural beauty, arts scene, and quality of life attract buyers from major metros seeking a different lifestyle. Limited new construction keeps supply tight statewide.
What Affects Your Vermont Mortgage Rate?
Several key factors influence the rate a Vermont lender will offer you: your credit score (740+ gets the best rates), your down payment (20%+ eliminates PMI), your loan type (VA and FHA often beat conventional), and broader market conditions driven by the Federal Reserve and Treasury yields. Always compare at least 3–5 lenders — the spread between best and worst rate can be 0.5–1.0%.