05641 — Orange County, Vermont Market Snapshot
Housing market data for zip code 05641 in Orange County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$379,000
Days to Sell
72
Homes Sold
29
Inventory
62
Sale-to-List
98.6%
New Listings
63
Price/SqFt
$193
Pending Sales
52
Conforming Loan Available
Most homebuyers in 05641 can comfortably use conventional financing. The median home price of $379,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 72 days on average, 05641 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 05641 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 05641 can comfortably use conventional financing. The median home price of $379,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 05641 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 05641
To purchase the median home at $379,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,054.
Monthly Payment
$3,054
Income Required
$130,876
Principal & Interest
$2,335/mo
Down Payment (5%)
$18,950
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 05641.
Estimated Monthly Payment
$2,496
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