Real Estate Investing in Saint Albans, Vermont (05478)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05478 (Saint Albans, 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: 11.7% vacancy may signal weakening demand.
What’s happening in Saint Albans, VT (05478)?
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Market Analysis: 05478 Saint Albans
ZIP 05478 in Saint Albans, VT carries a healthy set of headwinds. Home values near $382K and rents of $1,650/mo sit inside a market where underwriting has to be tight.
Rent of $1,650/mo on a $382K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 05478 sits below the stated 0.0% once reality is priced in.
The gap between 05478 and stronger Saint Albans ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
A healthy renter share of 32% in 05478 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
trends toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Saint Albans:
Property Strategy for 05478
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $309,424 | $1,770 | 4.1% | +8.0% | $154,712 |
| 3BR | $373,643 | $2,270 | 4.4% | +7.5% | $124,548 |
| 4BR | $398,945 | $2,340 | 4.2% | +7.4% | $99,736 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 05478 Compare?
| Metric | 05478 | Saint Albans | Burlington-South Burlington, VT | Vermont |
|---|---|---|---|---|
| Home Value | $381,729 | $381,729 | N/A | $387,631 |
| 5-Year CAGR | 5.6% | 5.6% | N/A | 6.4% |
| Avg Rent | $1,650 | $1,650 | N/A | - |
| Cap Rate | 3.4% | 3.4% | - | - |
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 05478 (Saint Albans, VT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $381,729 |
| Monthly Rent | $1,650 |
| Price-to-Rent | 19.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 9.0% |
📈 Home Appreciation
| 1-Year | +3.8% ▲ |
| 3-Year CAGR | +2.9% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +6.0% ▲ |
🏠 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 (3.4%). 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 05478
Population: 16,016
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 05478
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.
Frequently Asked Questions
What kind of vacancy should I budget for in Saint Albans, VT?
Expect elevated vacancy in Saint Albans, VT. Rents at $1,650/mo are absorbed by the tenant base without meaningful lag.
How do home values compare in Saint Albans, VT?
The median home value in Saint Albans, VT is roughly $382K. That puts it reasonable relative to the VT statewide average.
How does Saint Albans, VT stack up for property investment?
With a 3.0/5 investability score, Saint Albans, VT ranks as a solid market for rental property investors. Median prices of $382K and rents of $1,650/mo drive the underlying numbers.
Is VT a landlord-friendly state?
VT law balanced for landlords, and Saint Albans inherits those rules. Investors should still review local ordinances for rental licensing.
How much do tenants pay in Saint Albans, VT?
The typical rental in Saint Albans, VT commands about $1,650/mo monthly. That rent profile steady cash flow against the $382K purchase basis.
You know 05478 now. You don’t know where it ranks.
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How 05478 ranks in Burlington-South Burlington, VT
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