Total monthly cost of ownership
Cost to Own a Home in Bradford, Vermont
A $246,000 home here costs
$2,124per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,265. The real number is $859 higher every month — 68% 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.
Bradford against Orange County and Vermont
| Measure | Bradford | Orange County |
|---|---|---|
| Median home value | $246,400 | $251,000 |
| Median property tax | $3,518 | $4,399 |
| Effective tax rate | 1.428% | 1.753% |
| Median gross rent | $1,072 | $1,145 |
| Population | 1,326 | 29,594 |
The weather behind that power bill
Bradford sits in Orange County, which averages a high of 76.9°F in its hottest month and a low of 4.2°F in its coldest, with 43.15" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 157 cooling and 8,714 heating degree days, which is what sets the $224 electricity line above.
See the full climate breakdown for Orange County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Common questions
How much does it cost to own a home in Bradford?
A $246,000 home in Bradford, Vermont costs approximately $2,124 per month with 20% down at 6.66%. That is $1,265 principal and interest, $293 property tax, $70 homeowners insurance, $292 utilities and $205 set aside for maintenance.
What is the property tax rate in Bradford?
Bradford has an effective property tax rate of 1.428%, based on a median home value of $246,400 and median real estate taxes of $3,518. That is lower than the Orange County average of 1.753%.
What is the average home price in Bradford?
The median owner-occupied home value in Bradford, Vermont is $246,400, against $251,000 across Orange County.
Is it cheaper to rent or buy in Bradford?
Median gross rent in Bradford is $1,072 a month, against $2,124 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 Bradford — 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.