Real Estate Investing in Castleton, Vermont (05732)

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

Rutland County • Population: 1,229 • Data updated: September 2026

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Should you buy in 05732 (Castleton, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 38.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 29.5 — 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 Castleton, VT (05732)?

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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 $369,306
Avg Monthly Rent $1,044
1% Rule ✗ Does Not Meet
Median Income $43,750
% Renters 35.5%

Market Analysis: 05732 Castleton

The 05732 ZIP in Castleton, VT is a local-operator market. Outside capital chasing a $369K entry has to pair deep knowledge with the discount.

The 05732 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Nearby ZIPs in Castleton have seen price recovery that 05732 has not matched. Rutland County data supports the view that the spread is structural rather than temporary.

Looking more closely, 1,229 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.

The 05732 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Castleton:

D Needs Caution
Buy Confidence Score: 46/100
Affordability
0/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.4× the median income
Value Trend
Rising (+7.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,044/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Rutland, VT Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.7%
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 Rutland, VT metro data

Market Trends

Home Value History (with trend line)

$385K$340K$296K$251K$207K$162KJul 2006Jul 2016Jul 2026

📊 How Does 05732 Compare?

Metric 05732 Castleton Rutland, VT Vermont
Home Value $369,306 $343,628 N/A $387,631
5-Year CAGR 4.8% 5.1% N/A 6.4%
Avg Rent $1,044 $1,305 N/A -
Cap Rate 2.2% 3.0% - -
💡 Why Invest in 05732? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 36% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 05732 (Castleton, VT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+4.8%
Moderate

📉 Market Crash Risk Index

Based on Rutland, VT metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
60%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $369,306
Monthly Rent $1,044
Price-to-Rent 29.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.4%
Cap Rate 2.2%
5-Year IRR 7.0%

📈 Home Appreciation

1-Year +7.0% ▲
3-Year CAGR +2.1% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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
38.5%
Elevated risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+4.8%
Stable
Eviction process: Slow Rent control: Favorable

Demographics in 05732

Population: 1,229

💰 Median Household Income
$43,750
This area
$43,750
State
$75,625
USA
$74,580
🏠 Renter Occupied
35.5%
This area
35.5%
State
19.3%
USA
34.0%
💼 Unemployment Rate
0.1%
This area
0.1%
State
-24.2%
USA
3.7%
🎓 College Educated
46.0%
This area
46.0%
State
2.9%
USA
33.7%
👤 Median Age
49.5 years
This area
49.5 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
38.5%
This area
38.5%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 96.6%
Hispanic/Latino 3.4%
Other/Mixed 3.4%
👶 Under 18
18.4%
This area
18.4%
USA
22.0%
👴 65 and Over
20.4%
This area
20.4%
USA
17.3%
📊 Poverty Rate
13.8%
This area
13.8%
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 05732

Nearby Schools (1 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Castleton Elementary School

📚 Pre-K – 06 School
📍 263 Elementary School Road, Castleton
👥
240 Students
👨‍🏫
13.5:1 Class Size
💰
$28,360 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.

Frequently Asked Questions

What is the typical renter like in Castleton, VT?

Castleton, VT draws a predictable base of working renters. Demand at the $1,044/mo rent level is reasonable for standard single-family and small multi rentals.

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

The 3.0/5 investability rating in Castleton, VT reflects its $369K prices and $1,044/mo rents. Investors generally consider it a solid option within VT.

Are homes affordable in Castleton, VT?

Median home price in Castleton, VT is near $369K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.

Can owner-occupants cash flow in Castleton, VT?

House hacking in Castleton, VT is reasonable to execute. Prices around $369K and rents of $1,044/mo solid owner-occupant economics.

Does Castleton, VT favor landlords or tenants?

Landlord-friendliness in Castleton, VT is balanced. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 05732 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 05732 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.

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How 05732 ranks in Rutland, VT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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