Total monthly cost of ownership
Cost to Own a Home in Williamstown, Vermont
A $182,000 home here costs
$1,740per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $936. The real number is $804 higher every month — 86% 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.
Williamstown against Orange County and Vermont
| Measure | Williamstown | Orange County |
|---|---|---|
| Median home value | $182,200 | $251,000 |
| Median property tax | $3,712 | $4,399 |
| Effective tax rate | 2.037% | 1.753% |
| Median gross rent | $1,732 | $1,145 |
| Population | 1,622 | 29,594 |
The weather behind that power bill
Williamstown 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 Williamstown?
A $182,000 home in Williamstown, Vermont costs approximately $1,740 per month with 20% down at 6.66%. That is $936 principal and interest, $309 property tax, $52 homeowners insurance, $292 utilities and $152 set aside for maintenance.
What is the property tax rate in Williamstown?
Williamstown has an effective property tax rate of 2.037%, based on a median home value of $182,200 and median real estate taxes of $3,712. That is higher than the Orange County average of 1.753%.
What is the average home price in Williamstown?
The median owner-occupied home value in Williamstown, Vermont is $182,200, against $251,000 across Orange County.
Is it cheaper to rent or buy in Williamstown?
Median gross rent in Williamstown is $1,732 a month, against $1,740 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 Williamstown — 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.