Real Estate Investing in Hartford, Vermont (05059)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Windsor County • Population: 376 • Data updated: September 2026

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Should you buy in 05059 (Hartford, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (36/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 69.7% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 33.3 — hard to cash-flow at these prices.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hartford, VT (05059)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $528,829
Avg Monthly Rent $1,323
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 10.2%

Market Analysis: 05059 Hartford

Investors eyeing 05059 need to respect the fundamentals at play. Home values of $529K come alongside slower price movement and elevated management overhead.

The 05059 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 05059 and stronger Hartford ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A durable renter share of 10% in 05059 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 05059 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hartford:

Affordability
Affordable
Homes cost × the median income
Value Trend
Rising (+6.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,323/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Lebanon, NH-VT Metro Area
Even conditions for buyers and sellers
52 days
Average time to sell
Average
6.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Lebanon, NH-VT metro data

Market Trends

Home Value History (with trend line)

$553K$482K$411K$340K$269K$198KFeb 2012May 2019Jul 2026

📊 How Does 05059 Compare?

Metric 05059 Hartford Lebanon, NH-VT Vermont
Home Value $528,829 $473,770 N/A $387,631
5-Year CAGR 6.1% 6.4% N/A 6.4%
Avg Rent $1,323 $1,644 N/A -
Cap Rate 2.0% 2.8% - -
💡 Why Invest in 05059? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 05059 (Hartford, VT). Anonymous, moderated, never written by AI.

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Property managers serving Windsor County

Manage rentals here? List your business →

Ellaway Property Services, Inc. is a property services company. summary from their website

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Lowe's Real Estate & Property Management offers real estate services in Vermont and New Hampshire, including property management. summary from their website

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Real Property Management First Choice is a property management company. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+6.1%
Strong

📊 Market Snapshot

Home Value $528,829
Monthly Rent $1,323
Price-to-Rent 33.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 2.0%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +6.1% ▲
3-Year CAGR +3.4% ▲
5-Year CAGR +6.1% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
69.7%
Elevated risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+6.1%
Growing
Eviction process: Slow Rent control: Favorable

Demographics in 05059

Population: 376

💰 Median Household Income
N/A
🏠 Renter Occupied
10.2%
This area
10.2%
State
19.3%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-24.2%
USA
3.7%
🎓 College Educated
65.9%
This area
65.9%
State
2.9%
USA
33.7%
👤 Median Age
70.3 years
This area
70.3 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
69.7%
This area
69.7%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
8.4%
This area
8.4%
USA
22.0%
👴 65 and Over
56.1%
This area
56.1%
USA
17.3%
📊 Poverty Rate
12.5%
This area
12.5%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 05059

A+ Avg School Grade
1 Schools
10.5:1 Avg Class Size
$30,524 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Ottauquechee School

📚 Pre-K – 05 Elementary
👥
219 Students
👨‍🏫
10.5:1 Class Size
💰
$30,524 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

4 Nearby
D
New England School of Hair Design
0 students · 5.6 mi
A
Dartmouth College
6,746 students · 8.2 mi
C
Upper Valley Educators Institute
39 students · 10.0 mi
D
Vermont Law and Graduate School
690 students · 13.2 mi

Frequently Asked Questions

Should investors worry about vacancy in Hartford, VT?

Vacancy in Hartford, VT is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,323/mo.

How expensive is real estate in Hartford, VT?

Median home price in Hartford, VT is near $529K, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.

Is real estate in Hartford, VT a good investment right now?

Hartford, VT rates 3.0/5 for investability. With median values at $529K and rents near $1,323/mo, the market offers reasonable fundamentals for rental investors.

Are landlord laws favorable in Hartford, VT?

Rental owners in Hartford, VT deal with a balanced legal framework. Most standard eviction processes run on reasonable timelines.

Are rents high in Hartford, VT?

Rents in Hartford, VT run near $1,323/mo. Compared with median home prices of $529K that produces solid gross yields for typical rentals.

You know 05059 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 05059 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 05059 ranks in Lebanon, NH-VT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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