Real Estate Investing in Charlotte, Vermont (05445)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05445 (Charlotte, VT)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 18.0% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 43.8 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Charlotte, VT (05445)?
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Market Analysis: 05445 Charlotte
Investors eyeing 05445 need to respect the fundamentals at play. Home values of $862K come alongside slower price movement and elevated management overhead.
Rent of $1,638/mo on a $862K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 05445 sits below the stated 0.0% once reality is priced in.
The gap between 05445 and stronger Charlotte ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Stepping back, 3,905 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategy in 05445 is an operator game, not a passive one. Meanwhile, entry prices of $862K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Charlotte:
Property Strategy for 05445
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $555,346 | $1,820 | 2.4% | — | $277,673 |
| 3BR | $783,754 | $2,340 | 2.1% | +9.0% | $261,251 |
| 4BR | $978,302 | $2,420 | 1.8% | +10.3% | $244,575 |
| 5BR | $1,110,930 | — | — | — | $222,186 |
Market Trends
Home Value History (with trend line)
📊 How Does 05445 Compare?
| Metric | 05445 | Charlotte | Burlington-South Burlington, VT | Vermont |
|---|---|---|---|---|
| Home Value | $861,810 | $861,810 | N/A | $387,631 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 6.4% |
| Avg Rent | $1,638 | $1,638 | N/A | - |
| Cap Rate | 1.5% | 1.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 05445 (Charlotte, VT). Anonymous, moderated, never written by AI.
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Property managers serving Chittenden County
Manage rentals here? List your business →Full Circle Property Management, Inc. is a Vermont property management firm. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $861,810 |
| Monthly Rent | $1,638 |
| Price-to-Rent | 43.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.3% |
| Cap Rate | 1.5% |
| 5-Year IRR | 8.4% |
📈 Home Appreciation
| 1-Year | +6.6% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 (1.5%). 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 05445
Population: 3,905
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 05445
Schools in This ZIP Code
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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
Frequently Asked Questions
How much should I expect to pay for a home in Charlotte, VT?
Typical homes in Charlotte, VT go for around $862K. The 5-year CAGR of 0.0% predictable price movement.
What is the tenant pool like in Charlotte, VT?
The tenant pool in Charlotte, VT is solid, supported by local employment and population fundamentals. Rents of $1,638/mo are well-absorbed by the market.
What is it like being a landlord in Charlotte, VT?
VT ranks as a balanced state for landlord-tenant law. Charlotte generally follows the statewide framework, so landlords face reasonable operating rules.
What are vacancy rates like in Charlotte, VT?
Charlotte, VT sees elevated vacancy, which is reasonable relative to the broader VT rental market.
What monthly rent should investors expect in Charlotte, VT?
Average rent in Charlotte, VT is approximately $1,638/mo per month. Against $862K home values that yields a reasonable rent-to-price ratio.
You know 05445 now. You don’t know where it ranks.
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How 05445 ranks in Burlington-South Burlington, VT
Every ZIP in this metro, ranked. Free.
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