The typical owner-occupied home in Saint Johnsbury is worth about $174,500, 45% below the Vermont median of $316,600 and 48% below the national median of $332,700. Owners pay a median $3,778 a year in property taxes, about 2.17% of their home's value, higher than the Vermont rate of 1.59%. The median household earns $53,711 a year, so the median home costs 3.2 times the median income (3.9 times for Vermont). 54% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Saint Johnsbury at a glance
| Saint Johnsbury | Vermont | U.S. | |
|---|---|---|---|
| Median home value | $174,500 | $316,600 | $332,700 |
| Median property tax paid per year | $3,778 | $5,039 | $3,119 |
| Property tax as a share of value | 2.17% | 1.59% | 0.94% |
| Median household income | $53,711 | $81,203 | $80,734 |
| Homes lived in by their owners | 54% | 73% | 65% |
| Owner homes with a mortgage | 62% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,425 | $1,907 | $1,963 |
| Those costs as a share of the owners' income | 18.1% | 21.7% | 21.0% |
| Median rent | $912 | $1,234 | $1,413 |
| Rent as a share of renters' income | 29.4% | 29.4% | 30.6% |
| Median year homes were built | 1938 | 1976 | 1980 |
| Vacant homes | 8.8% | 19.4% | 10.1% |
| Population | 5,859 | 647,106 | 334,922,499 |
What a typical home costs per month in Saint Johnsbury
At this week's average 30-year rate of 7.11%, buying the median Saint Johnsbury home of $174,500 with 20% down costs about $1,327 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,618, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $56,887 for the 20%-down payment. That payment is 30% of the median Saint Johnsbury household income of $53,711; at that income and 20% down, the 28% guideline points to a home of about $165,000.
The median rent here is $912 a month, so owning the median home costs about $415 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $34,900 |
|---|---|
| Loan amount | $139,600 |
| Principal and interest | $939 |
| Property taxes (2.17% a year) | $316 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| PMI | $0 |
| Total per month | $1,327 |
Change the numbers in the calculator
| Down payment | $6,108 |
|---|---|
| Loan amount | $171,339 |
| Principal and interest | $1,153 |
| Property taxes (2.17% a year) | $316 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| FHA mortgage insurance | $77 |
| Total per month | $1,618 |
Change the numbers in the calculator
Questions about home buying in Saint Johnsbury
What is the median home value in Saint Johnsbury?
About $174,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Johnsbury?
Homeowners pay a median $3,778 a year, which is about 2.17% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Johnsbury?
For the median home with 20% down at 7.11%, the payment is about $1,327 a month. Keeping that under 28% of gross income takes about $56,887 a year.
More about Saint Johnsbury
- Mortgage Refinance in Saint Johnsbury
- Debt Relief in Saint Johnsbury
- Home Equity Loans in Saint Johnsbury
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data