ZIP Code 05641 Housing Market
ZIP code 05641 is located in Orange County, Vermont. Based on the FHFA House Price Index, the most recent annual HPI value is 307.3 (2000 = 100) , with a year-over-year change of +7.63% as of 2025.
📈 05641 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
ZIP code 05641's FHFA HPI rose from 213.41 in 2021 to 307.31 in 2025, a gain of approximately 44.0% over four years, or roughly 9.5% annualized. Growth was steady rather than episodic: 243.62 in 2022, 271.47 in 2023, 285.52 in 2024, and 307.31 in 2025. The 2025 reading of 307.3 places the ZIP above a tripling of its 2000 baseline, and the most recent annual increase of 7.63% is the largest in the five-year series. That 7.63% YoY figure sits modestly above both the parent county (+6.75%) and Vermont statewide (+7.16%), indicating slight outperformance rather than a distinct divergence. The gap is narrow enough to suggest 05641 is tracking broader Orange County demand rather than decoupling from it. By contrast, nearby ZIP 05663 recorded +25.44% and ZIP 05060 +9.44%, so 05641's appreciation is comparatively moderate within its local peer set—though its HPI level of 307.3 remains below 05663's 333.4. The sub-market profile is owner-occupied and middle-income. Orange County reports 83.2% owner occupancy, a median home value of $271,300, median household income of $82,232, and median gross rent of $1,173. The resulting price-to-income ratio of roughly 3.3x and rent-to-income ratio near 17% indicate an accessible, non-luxury market with a thin rental sector. For prospective buyers, the practical implication is that 05641 offers comparatively moderate pricing relative to adjacent ZIPs, but with a 7.40% 30-year mortgage rate, financing costs—not entry price alone—now dominate affordability.
About This ZIP Code
ZIP code 05641 is one of the most active real estate sub-markets in Orange County, Vermont. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Orange County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Orange County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 05663 | 333.4 | +25.44% | 2025 |
| 05060 | 323.3 | +9.44% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.