Total monthly cost of ownership
Cost to Own a Home in Waterbury, Vermont
A $333,000 home here costs
$2,814per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,712. The real number is $1,102 higher every month — 64% 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.
Waterbury against Washington County and Vermont
| Measure | Waterbury | Washington County |
|---|---|---|
| Median home value | $332,900 | $293,900 |
| Median property tax | $5,264 | $5,491 |
| Effective tax rate | 1.581% | 1.868% |
| Median gross rent | $984 | $1,094 |
| Population | 1,728 | 59,958 |
The weather behind that power bill
Waterbury sits in Washington County, which averages a high of 81.5°F in its hottest month and a low of 7.3°F in its coldest, with 41.35" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 472 cooling and 7,722 heating degree days, which is what sets the $224 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Vermont
Common questions
How much does it cost to own a home in Waterbury?
A $333,000 home in Waterbury, Vermont costs approximately $2,814 per month with 20% down at 6.66%. That is $1,712 principal and interest, $439 property tax, $94 homeowners insurance, $292 utilities and $278 set aside for maintenance.
What is the property tax rate in Waterbury?
Waterbury has an effective property tax rate of 1.581%, based on a median home value of $332,900 and median real estate taxes of $5,264. That is lower than the Washington County average of 1.868%.
What is the average home price in Waterbury?
The median owner-occupied home value in Waterbury, Vermont is $332,900, against $293,900 across Washington County.
Is it cheaper to rent or buy in Waterbury?
Median gross rent in Waterbury is $984 a month, against $2,814 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 Waterbury — 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.