Total monthly cost of ownership
Cost to Own a Home in Bellows Falls, Vermont
A $176,000 home here costs
$1,772per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $905. The real number is $867 higher every month — 96% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bellows Falls against Windham County and Vermont
| Measure | Bellows Falls | Windham County |
|---|---|---|
| Median home value | $176,000 | $265,100 |
| Median property tax | $4,541 | $4,968 |
| Effective tax rate | 2.580% | 1.874% |
| Median gross rent | $1,071 | $1,056 |
| Population | 2,851 | 45,913 |
The weather behind that power bill
Bellows Falls sits in Windham County, which averages a high of 81.4°F in its hottest month and a low of 11.2°F in its coldest, with 40.33" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 377 cooling and 7,431 heating degree days, which is what sets the $224 electricity line above.
See the full climate breakdown for Windham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Windham County
Full Windham County cost breakdown · Every county in Vermont
Common questions
How much does it cost to own a home in Bellows Falls?
A $176,000 home in Bellows Falls, Vermont costs approximately $1,772 per month with 20% down at 6.66%. That is $905 principal and interest, $378 property tax, $50 homeowners insurance, $292 utilities and $147 set aside for maintenance.
What is the property tax rate in Bellows Falls?
Bellows Falls has an effective property tax rate of 2.580%, based on a median home value of $176,000 and median real estate taxes of $4,541. That is higher than the Windham County average of 1.874%.
What is the average home price in Bellows Falls?
The median owner-occupied home value in Bellows Falls, Vermont is $176,000, against $265,100 across Windham County.
Is it cheaper to rent or buy in Bellows Falls?
Median gross rent in Bellows Falls is $1,071 a month, against $1,772 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bellows Falls — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Vermont.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.