05701 — Rutland County, Vermont Market Snapshot
Housing market data for zip code 05701 in Rutland County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$281,750
Days to Sell
120
Homes Sold
36
Inventory
46
Sale-to-List
93.3%
New Listings
47
Price/SqFt
$181
Pending Sales
47
Conforming Loan Available
Most homebuyers in 05701 can comfortably use conventional financing. The median home price of $281,750 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 120 days on average, 05701 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
The average home in 05701 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 05701 can comfortably use conventional financing. The median home price of $281,750 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 05701 are set at the county level.
2026 Loan Limits — Rutland 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 05701
To purchase the median home at $281,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,309.
Monthly Payment
$2,309
Income Required
$98,943
Principal & Interest
$1,736/mo
Down Payment (5%)
$14,088
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 05701.
Estimated Monthly Payment
$1,894
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