Real Estate Investing in Colchester, Vermont (05446)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05446 (Colchester, VT)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 9.8% vacancy may signal weakening demand.
What’s happening in Colchester, VT (05446)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 05446 Colchester
ZIP 05446 inside Chittenden County looks affordable on the surface — median value of $491K — but the discount exists for reasons that a careful buyer should understand before committing.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $491K asset, 05446 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Colchester have seen price recovery that 05446 has not matched. Chittenden County data supports the view that the spread is structural rather than temporary.
Demographically, 05446 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Strategy in 05446 is an operator game, not a passive one. From a cash-flow lens, entry prices of $491K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Colchester:
Property Strategy for 05446
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $316,710 | $1,490 | 3.4% | — | $316,710 |
| 2BR | $350,262 | $1,930 | 4.0% | +7.3% | $175,131 |
| 3BR | $499,457 | $2,480 | 3.6% | +9.1% | $166,486 |
| 4BR | $636,883 | $2,560 | 2.9% | +10.6% | $159,221 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 05446 Compare?
| Metric | 05446 | Colchester | Burlington-South Burlington, VT | Vermont |
|---|---|---|---|---|
| Home Value | $491,127 | $245,564 | N/A | $387,631 |
| 5-Year CAGR | 7.7% | 7.7% | N/A | 6.4% |
| Avg Rent | $2,267 | $2,267 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
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 05446 (Colchester, 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 | $491,127 |
| Monthly Rent | $2,267 |
| Price-to-Rent | 18.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 11.3% |
📈 Home Appreciation
| 1-Year | +4.2% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +7.7% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 Rent Trends
| 1-Year | -10.4% ▼ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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 05446
Population: 16,361
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 05446
Schools in This ZIP Code
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
Investor Insight: With 739 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What is the typical vacancy rate in Colchester, VT?
Expect elevated vacancy in Colchester, VT. Rents at $2,267/mo are absorbed by the tenant base without meaningful lag.
Is real estate in Colchester, VT a good investment right now?
Investors tracking Colchester, VT will find a 3.0/5 rating supported by $491K median home values and $2,267/mo rents. That profile suits long-term holders targeting consistent returns.
What is the smart move for investors in Colchester, VT?
Investors usually favor careful cash-flow rentals with hands-on management in Colchester, VT. With home values at $491K and rents near $2,267/mo, other strategies can work but produce steady rather than outsized returns.
Is VT a landlord-friendly state?
VT ranks as a balanced state for landlord-tenant law. Colchester generally follows the statewide framework, so landlords face reasonable operating rules.
What is the typical home price in Colchester, VT?
Median home price in Colchester, VT is near $491K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.
You know 05446 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 05446 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.
How 05446 ranks in Burlington-South Burlington, VT
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