Total monthly cost of ownership
Cost to Own a Home in St. Albans, Vermont
A $246,000 home here costs
$2,191per 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 $926 higher every month — 73% 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.
St. Albans against Franklin County and Vermont
| Measure | St. Albans | Franklin County |
|---|---|---|
| Median home value | $245,600 | $285,500 |
| Median property tax | $4,313 | $4,244 |
| Effective tax rate | 1.756% | 1.487% |
| Median gross rent | $1,166 | $1,164 |
| Population | 6,910 | 50,379 |
The weather behind that power bill
St. Albans sits in Franklin County, which averages a high of 81.0°F in its hottest month and a low of 2.9°F in its coldest, with 40.03" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 334 cooling and 8,216 heating degree days, which is what sets the $224 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Full Franklin County cost breakdown · Every county in Vermont
Common questions
How much does it cost to own a home in St. Albans?
A $246,000 home in St. Albans, Vermont costs approximately $2,191 per month with 20% down at 6.66%. That is $1,265 principal and interest, $360 property tax, $70 homeowners insurance, $292 utilities and $205 set aside for maintenance.
What is the property tax rate in St. Albans?
St. Albans has an effective property tax rate of 1.756%, based on a median home value of $245,600 and median real estate taxes of $4,313. That is higher than the Franklin County average of 1.487%.
What is the average home price in St. Albans?
The median owner-occupied home value in St. Albans, Vermont is $245,600, against $285,500 across Franklin County.
Is it cheaper to rent or buy in St. Albans?
Median gross rent in St. Albans is $1,166 a month, against $2,191 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 St. Albans — 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.