Real Estate Investing in Richmond, Vermont (05477)

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

Chittenden County • Population: 4,374 • Data updated: September 2026

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Should you buy in 05477 (Richmond, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • Elevated vacancy: 9.5% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Richmond, VT (05477)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $563,657
Avg Monthly Rent $2,016
1% Rule ✗ Does Not Meet
Median Income $118,185
% Renters 20.9%

Market Analysis: 05477 Richmond

Investors eyeing 05477 need to respect the fundamentals at play. Home values of $564K come alongside slower price movement and elevated management overhead.

The 05477 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Within VT, ZIP 05477 trails on several market indicators that neighboring Chittenden County submarkets outperform. The gap is real and durable enough to shape underwriting.

The demographic picture in 05477 includes headwinds that any investor should price in. Income distribution skews lower than Richmond averages, and tenant stability requires active management.

Experienced landlords with local relationships tend to find 05477 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Richmond:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+3.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,016/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Burlington-South Burlington, VT Metro Area
More inventory, negotiating room for buyers
43 days
Average time to sell
Average
10.6%
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 Burlington-South Burlington, VT metro data

Market Trends

Home Value History (with trend line)

$587K$526K$464K$402K$340K$278KJan 2012May 2019Jul 2026

📊 How Does 05477 Compare?

Metric 05477 Richmond Burlington-South Burlington, VT Vermont
Home Value $563,657 $563,657 N/A $387,631
5-Year CAGR 4.4% 4.4% N/A 6.4%
Avg Rent $2,016 $2,016 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 05477? 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 05477 (Richmond, 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

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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
2.8%
Low
5yr Growth
+4.4%
Moderate

📊 Market Snapshot

Home Value $563,657
Monthly Rent $2,016
Price-to-Rent 23.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year +3.6% ▲
3-Year CAGR +2.4% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +5.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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
9.5%
Moderate risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+4.4%
Stable
Eviction process: Slow Rent control: Favorable

Demographics in 05477

Population: 4,374

💰 Median Household Income
$118,185
This area
$118,185
State
$75,625
USA
$74,580
🏠 Renter Occupied
20.9%
This area
20.9%
State
19.3%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-24.2%
USA
3.7%
🎓 College Educated
66.0%
This area
66.0%
State
2.9%
USA
33.7%
👤 Median Age
43.5 years
This area
43.5 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
9.5%
This area
9.5%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 93.8%
Other/Mixed 3.6%
Asian 1.4%
Black/African American 1.3%
Hispanic/Latino 0.8%
👶 Under 18
20.7%
This area
20.7%
USA
22.0%
👴 65 and Over
17.2%
This area
17.2%
USA
17.3%
📊 Poverty Rate
1.4%
This area
1.4%
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 05477

A+ Avg School Grade
2 Schools
13.3:1 Avg Class Size
$21,857 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Camels Hump Middle School

📚 05 – 08 School
👥
328 Students
👨‍🏫
12.5:1 Class Size
💰
$21,857 Per Student
A+ Excellent

Richmond Elementary School

📚 Pre-K – 04 Elementary
👥
388 Students
👨‍🏫
14.0:1 Class Size
💰
$21,857 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

5 Nearby 300 Off-Campus Students
C
O'Briens Aveda Institute
85 students · 6.6 mi
C+
Advanced Welding Institute
97 students · 8.5 mi
C
Saint Michael's College
1,370 students · 11.1 mi
B
University of Vermont
14,320 students · 11.7 mi
C+
Champlain College
3,328 students · 11.8 mi

Frequently Asked Questions

Is Richmond, VT a friendly market for rental owners?

The landlord environment in Richmond, VT is balanced. Statewide rules shape most day-to-day operations for rental owners.

What is the renter demographic in Richmond, VT?

The tenant pool in Richmond, VT is solid, supported by local employment and population fundamentals. Rents of $2,016/mo are well-absorbed by the market.

What is the average home sale price in Richmond, VT?

Median home price in Richmond, VT is near $564K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

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

Yes - Richmond, VT a 3.0/5 investability score. With $564K home prices against $2,016/mo monthly rent, the market delivers a reasonable entry point for new investors.

How much is rent in Richmond, VT?

The typical rental in Richmond, VT commands about $2,016/mo monthly. That rent profile reliable cash flow against the $564K purchase basis.

You know 05477 now. You don’t know where it ranks.

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How 05477 ranks in Burlington-South Burlington, VT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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