05055 — Windsor County, Vermont Market Snapshot
Housing market data for zip code 05055 in Windsor County, Vermont. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,137,675
Days to Sell
34
Homes Sold
11
Inventory
7
Sale-to-List
100.3%
New Listings
18
Price/SqFt
$344
Pending Sales
18
Jumbo Loan Likely Needed
The median home in 05055 at $1,137,675 exceeds the 2026 conforming loan limit of $832,750 by $304,925. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
05055's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 05055 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 05055 at $1,137,675 exceeds the 2026 conforming loan limit of $832,750 by $304,925. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 05055 are set at the county level.
2026 Loan Limits — Windsor 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 05055
To purchase the median home at $1,137,675 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,867.
Monthly Payment
$8,867
Income Required
$379,993
Principal & Interest
$7,010/mo
Down Payment (5%)
$56,884
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 05055.
Estimated Monthly Payment
$7,191
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 05055.
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