The typical owner-occupied home in Woodstock is worth about $775,000, 2.4 times the Vermont median of $316,600 and 2.3 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 1.29% of their home's value, lower than the Vermont rate of 1.59%. The median household earns $87,292 a year, so the median home costs 8.9 times the median income (3.9 times for Vermont). 58% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Woodstock at a glance
| Woodstock | Vermont | U.S. | |
|---|---|---|---|
| Median home value | $775,000 | $316,600 | $332,700 |
| Median property tax paid per year | $10,001 | $5,039 | $3,119 |
| Property tax as a share of value | 1.29% | 1.59% | 0.94% |
| Median household income | $87,292 | $81,203 | $80,734 |
| Homes lived in by their owners | 58% | 73% | 65% |
| Owner homes with a mortgage | 60% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $2,667 | $1,907 | $1,963 |
| Those costs as a share of the owners' income | 26.0% | 21.7% | 21.0% |
| Median rent | $1,209 | $1,234 | $1,413 |
| Rent as a share of renters' income | 23.4% | 29.4% | 30.6% |
| Median year homes were built | 1938 | 1976 | 1980 |
| Vacant homes | 24.5% | 19.4% | 10.1% |
| Population | 936 | 647,106 | 334,922,499 |
What a typical home costs per month in Woodstock
At this week's average 30-year rate of 7.11%, buying the median Woodstock home of $775,000 with 20% down costs about $5,327 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $6,743, 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 $228,292 for the 20%-down payment. That payment is 73% of the median Woodstock household income of $87,292; at that income and 20% down, the 28% guideline points to a home of about $296,000.
The median rent here is $1,209 a month, so owning the median home costs about $4,118 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $155,000 |
|---|---|
| Loan amount | $620,000 |
| Principal and interest | $4,171 |
| Property taxes (1.29% a year) | $833 |
| Homeowners insurance (our estimate, 0.5% a year) | $323 |
| PMI | $0 |
| Total per month | $5,327 |
Change the numbers in the calculator
| Down payment | $27,125 |
|---|---|
| Loan amount | $760,963 |
| Principal and interest | $5,119 |
| Property taxes (1.29% a year) | $833 |
| Homeowners insurance (our estimate, 0.5% a year) | $323 |
| FHA mortgage insurance | $467 |
| Total per month | $6,743 |
Change the numbers in the calculator
Questions about home buying in Woodstock
What is the median home value in Woodstock?
About $775,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Woodstock?
Homeowners pay a median $10,001 a year, which is about 1.29% 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 Woodstock?
For the median home with 20% down at 7.11%, the payment is about $5,327 a month. Keeping that under 28% of gross income takes about $228,292 a year.
More about Woodstock
- Mortgage Refinance in Woodstock
- Debt Relief in Woodstock
- Home Equity Loans in Woodstock
- 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