The typical owner-occupied home in White River Junction is worth about $278,800, 12% below the Vermont median of $316,600 and 16% below the national median of $332,700. Owners pay a median $5,651 a year in property taxes, about 2.03% of their home's value, higher than the Vermont rate of 1.59%. The median household earns $77,168 a year, so the median home costs 3.6 times the median income (3.9 times for Vermont). 44% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
White River Junction at a glance
| White River Junction | Vermont | U.S. | |
|---|---|---|---|
| Median home value | $278,800 | $316,600 | $332,700 |
| Median property tax paid per year | $5,651 | $5,039 | $3,119 |
| Property tax as a share of value | 2.03% | 1.59% | 0.94% |
| Median household income | $77,168 | $81,203 | $80,734 |
| Homes lived in by their owners | 44% | 73% | 65% |
| Owner homes with a mortgage | 60% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,610 | $1,907 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 21.7% | 21.0% |
| Median rent | $1,222 | $1,234 | $1,413 |
| Rent as a share of renters' income | 27.2% | 29.4% | 30.6% |
| Median year homes were built | 1963 | 1976 | 1980 |
| Vacant homes | 8.0% | 19.4% | 10.1% |
| Population | 3,364 | 647,106 | 334,922,499 |
What a typical home costs per month in White River Junction
At this week's average 30-year rate of 7.11%, buying the median White River Junction home of $278,800 with 20% down costs about $2,088 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,553, 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 $89,494 for the 20%-down payment. That payment is 32% of the median White River Junction household income of $77,168; at that income and 20% down, the 28% guideline points to a home of about $240,000.
The median rent here is $1,222 a month, so owning the median home costs about $866 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $55,760 |
|---|---|
| Loan amount | $223,040 |
| Principal and interest | $1,500 |
| Property taxes (2.03% a year) | $472 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| PMI | $0 |
| Total per month | $2,088 |
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| Down payment | $9,758 |
|---|---|
| Loan amount | $273,750 |
| Principal and interest | $1,842 |
| Property taxes (2.03% a year) | $472 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| FHA mortgage insurance | $123 |
| Total per month | $2,553 |
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Questions about home buying in White River Junction
What is the median home value in White River Junction?
About $278,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White River Junction?
Homeowners pay a median $5,651 a year, which is about 2.03% 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 White River Junction?
For the median home with 20% down at 7.11%, the payment is about $2,088 a month. Keeping that under 28% of gross income takes about $89,494 a year.
More about White River Junction
- Mortgage Refinance in White River Junction
- Debt Relief in White River Junction
- Home Equity Loans in White River Junction
- 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