Real Estate Investing in Topsham, Vermont (05076)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05076 (Topsham, VT)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 25.3% of homes vacant — above national norms.
• 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 Topsham, VT (05076)?
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Market Analysis: 05076 Topsham
From an investor standpoint, ZIP 05076 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $275K median. It rewards specialists, not generalists.
Put differently, the numbers look inviting — $275K purchase price, 0.0% nominal cap — the work to hit that pro forma in 05076 is substantial and deserves full respect.
Within VT, ZIP 05076 trails on several market indicators that neighboring Orange County submarkets outperform. The gap is real and significant enough to shape underwriting.
Employment concentration in 05076 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 05076 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Topsham:
Market Trends
Home Value History (with trend line)
📊 How Does 05076 Compare?
| Metric | 05076 | Topsham | Lebanon, NH-VT | Vermont |
|---|---|---|---|---|
| Home Value | $274,990 | $277,567 | N/A | $387,631 |
| 5-Year CAGR | N/A | N/A | N/A | 6.4% |
| Avg Rent | $1,224 | $1,239 | N/A | - |
| Cap Rate | 3.5% | 3.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 05076 (Topsham, VT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $274,990 |
| Monthly Rent | $1,224 |
| Price-to-Rent | 18.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.5% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | +5.6% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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.
Demographics in 05076
Population: 531
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is Topsham, VT a good place for real estate investing?
The 2.0/5 investability rating in Topsham, VT reflects its $275K prices and $1,224/mo rents. Investors generally consider it a solid option within VT.
How do experienced investors play Topsham, VT?
Topsham, VT investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($275K prices, $1,224/mo rents) make it a reasonable choice.
Does Topsham, VT favor landlords or tenants?
Topsham, VT falls under VT landlord-tenant law, which is balanced. That backdrop makes day-to-day property management reasonable.
What kind of vacancy should I budget for in Topsham, VT?
Expect elevated vacancy in Topsham, VT. Rents at $1,224/mo are absorbed by the tenant base without meaningful lag.
What is the tenant pool like in Topsham, VT?
Topsham, VT draws a reliable base of working renters. Demand at the $1,224/mo rent level is reasonable for standard single-family and small multi rentals.
You know 05076 now. You don’t know where it ranks.
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How 05076 ranks in Lebanon, NH-VT
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