ZIP Code 05149 Housing Market

📝 Local Market Notes

The housing market in ZIP code 05149, located in Windsor County, Vermont, exhibits a volatile recent trajectory despite long-term appreciation. The Home Price Index (HPI) for this area surged from 174.78 in 2020 to a peak of 300.44 in 2024, reflecting a period of intense demand. However, the most recent data indicates a significant correction, with the HPI declining to 268.25 in 2025. This downward shift marks a sharp reversal from the previous four-year upward trend, suggesting that the local market has experienced a pronounced cooling phase following its recent peak. This performance creates a notable divergence from broader regional trends. While the statewide HPI grew by 7.16% year-over-year and Windsor County declined by a modest 1.80%, ZIP 05149 fell by 10.71%. This substantial underperformance relative to the state median signals that the specific sub-market within this ZIP code is undergoing a more aggressive adjustment than the surrounding county or state averages. The disparity suggests that the rapid appreciation seen in 2021 and 2022 may have outpaced local fundamental growth, leading to a sharper reversion to mean in the current period. Contextualizing this with parent county data, the median home value of $296,400 and a median household income of $77,594 indicate a middle-class, owner-occupied market rather than a luxury enclave. With an owner occupancy rate of 74.8%, the area remains primarily residential. However, the current HPI level of 268.25, which is significantly higher than the 2000 baseline of 100, confirms that housing costs have risen substantially over the last two decades. For prospective buyers, the data highlights a market that is currently correcting from high volatility. The 7.40% national mortgage rate further impacts affordability, making the recent price pullback a relevant factor for entry timing. Residents and investors should note that while the broader Vermont market remains robust, ZIP 05149 is currently experiencing a distinct local contraction.

Based on FHFA House Price Index data.