The story of this market
The typical home in Franklin County, Vermont sells for about $411,571, or $216 per square foot.
Prices are up +9.8% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. Over the long run, values in this county have grown 182% since 2000. Last year 6 of 11 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is lightning, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,180 a month.
FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+16.8%). Worst: 2009 (-6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.6%
VT · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 11 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
33
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $13,147,039.
Mortgage activity
Home lending in this county
82.4%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2342 | 1443 | 82.4% | 5.6% | $215,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Franklin County, Vermont
Franklin County's housing market demonstrates sustained pricing strength and low inventory, marked by median sale prices reaching $411,571 with annual appreciation of 9.8%. While days on market lengthened to 58 days, close to 41% of transactions closed over asking price, reflecting persistent competition for turn-key single-family homes driven by spillover demand from the Burlington metropolitan area.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 14 cities · 15 ZIP reports
Median prices moved down 0.3% year over year.
Homes spend a median of 38 days on market with 0.8 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 99.68% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 8.7% — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 14 researched ZIP reports of 15 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Franklin County, Vermont — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
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| 05441 | Bakersfield | $250,000 | $289 | -37.5% | 33 | 100% | — | 1 | 1 | $2,165 | researched Sep 26 |
| 05447 | Berkshire | $1,250,000 | $450 | +3.2% | 65 | 97.5% | 15% | 6.2 | 27 | $985 | researched Sep 26 |
| 05450 | Enosburg / Enosburg Falls | $271,800 | $145 | +2.1% | 62 | 98.5% | 12% | 4.2 | 28 | $961 | researched Sep 26 |
| 05454 | Georgia | $439,000 | $243 | — | 52 | 100% | — | — | 102 | $1,104 | researched Sep 26 |
| 05455 | Fairfield | $439,000 | $243 | — | 52 | 100% | — | — | 102 | $2,165 | researched Sep 26 |
| 05457 | Franklin | $439,000 | $243 | — | 34 | 100% | — | — | 102 | $868 | researched Sep 26 |
| 05459 | Highgate | $469,000 | $293 | — | 35 | 100% | — | 16 | 16 | $2,200 | researched Sep 26 |
| 05468 | Georgia | $509,000 | $304 | +3.5% | 41 | 100% | — | — | 73 | $1,547 | researched Sep 26 |
| 05470 | Montgomery / Montgomery Center | $373,600 | $215 | +0.7% | 42 | 98.5% | 12% | 4.5 | 18 | $1,673 | researched Sep 26 |
| 05471 | Montgomery / Montgomery Center | $336,115 | $215 | +2.4% | 82 | 97.5% | 12% | 7 | 14 | $1,650 | researched Sep 26 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Franklin County features property and violent crime rates that sit moderately below nationwide levels, although concentrated property offenses and drug enforcement activities are primarily clustered in its denser commercial hubs like the City of St. Albans. Rural communities throughout the county report very low violent crime incidents.
School performance varies across the county's public supervisory unions, with smaller community schools such as Montgomery Center School and Franklin Central School receiving strong local academic ratings, while larger unified high school districts like Bellows Free Academy demonstrate average statewide performance.
Wildfire risk is minimal across the region, but riverine flooding along the Missisquoi and Lamoille River watersheds as well as low-lying Lake Champlain shores presents a localized threat, with approximately 9% of properties considered at risk of severe flood damage over a 30-year span.
Franklin County's economy is anchored by light manufacturing, agricultural processing, dairy farming, and regional public healthcare centered in St. Albans, supported by proximity and highway access to the Burlington metro employment center.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Superfund Liens: Establishes a statutory federal lien upon the parcel running in favor of the United States for all unrecovered cleanup costs, damages, and statutory interest incurred by the EPA. Rate and formula: Direct Dollar-for-Dollar Reimbursement (Lien Amount = Incurred Response Costs + Administrative Costs + Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Withholding: Imposes an affirmative withholding tax obligation on the transferee (buyer) to withhold and remit tax on the gross amount realized (gross sales price). The statutory base withholding rate is 15% of the total purchase price (Formula: Tax = Amount Realized × 15%). Exemptions and reductions: (1) 0% wit Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer.
Outdoor recreation is anchored by Lake Champlain access, Missisquoi National Wildlife Refuge, Missisquoi Valley Rail Trail, and direct access to Jay Peak Resort and Green Mountain winter trail systems.
The rental market remains thin and tight across the county, with low institutional supply driving steady occupancy in multi-family pockets around St. Albans and Swanton.
The regional economy mixes manufacturing, food production, healthcare, and public sector employment, led by anchors such as Northwestern Medical Center and Perrigo, alongside significant dairy agriculture.
Interstate 89 traverses north-south through Franklin County, linking the area directly to Burlington and the Canadian border, supplemented by the Amtrak Vermonter service terminating in St. Albans.
Development pace is deliberate and constrained by Vermont Act 250 environmental and land-use regulations, keeping residential growth concentrated around designated village and downtown growth centers.
Vermont operates through town-level assessment by local listers rather than a single county appraisal district; values are reconciled to fair market value via state-calculated Common Level of Appraisal (CLA) ratios.
Parcels are subject to local municipal property taxes and state education tax rates, alongside occasional incorporated village district levies such as Enosburg Falls or Swanton Village.
Property insurance is generally stable compared to national coastal regions, though structures located near inland waterways and low-lying lake frontage face heightened flood insurance scrutiny and premium pressure.
- Jay Peak Resort4.522 mi
- Smugglers' Notch Resort4.518.9 mi
- Pump House Indoor Waterpark4.422 mi
- Spare Time Colchester4.326.1 mi
- Get Air Trampoline Park4.128.9 mi
- Stowe Mountain Resort4.223 mi
- Champlain Valley Exposition4.325.7 mi
- ECHO, Leahy Center for Lake Champlain4.629 mi
- Foam Brewers - Burlington4.728.8 mi
- Château Ste-Agnès4.421.2 mi
- Val Caudalies - Vignoble & Cidrerie4.717.4 mi
- Alburgh Dunes State Park4.518.1 mi
- Lake Carmi State Park4.48.5 mi
- Kill Kare State Park4.713 mi
- Historic Grist Mill Covered Bridge4.715.2 mi
- Mont Sutton4.625.6 mi
- ECHO, Leahy Center for Lake Champlain4.629 mi
- Ethan Allen Homestead Museum and Historic Site4.527.4 mi
- Lake Champlain Causeway4.926.2 mi
- Fleming Museum of Art4.528.2 mi
- Camping des chutes Hunter415.6 mi
- Alburgh Dunes State Park4.518.1 mi
- Lake Carmi State Park4.48.5 mi
- Camping Plage Kirkland4.319.5 mi
- Kill Kare State Park4.713 mi
- Marina St-Tropez - Destination festive429.1 mi
- Apple Island Resort4.321.8 mi
- Marina Gosselin4.325.8 mi
- Hero's Welcome4.617.6 mi
- North Hero Marina4.418 mi
- Lakewood Links Golf Club4.518.7 mi
- Champlain Country Club4.57.8 mi
- Market 324.17.4 mi
- Highgate Commons Shopping Center4.27.2 mi
- Saint Albans Shopping Center4.27.5 mi
- Burlington International Airport427.7 mi
- Plattsburgh International Airport4.229.1 mi
- Green valley taxi - BTV -Airport Taxi525.9 mi
- 89 TAXI - Airport taxi - BTV shuttle4.927.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Spans over 6,700 acres along Missisquoi Bay offering premier wetland birding and kayaking trails.
26.4-mile scenic recreational rail-trail running from St. Albans to Richford for cycling, walking, and snowmobiling.
Extensive shoreline access providing recreational boating, public parks, and sport fishing in St. Albans Bay and Swanton.
Preserves regional heritage, railroading history, and artifacts of the Civil War St. Albans Raid.
Retrieved from U.S. Census Bureau QuickFacts and ACS 5-year estimates for Franklin County, VT (FIPS 50011).