Real Estate Investing in Rutland, Vermont (05736)

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

Rutland County • Population: 490 • Data updated: September 2026

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Should you buy in 05736 (Rutland, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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
1 flag
  • High vacancy: 28.9% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Rutland, VT (05736)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $306,602
Avg Monthly Rent $1,215
1% Rule ✗ Does Not Meet
Median Income $56,250
% Renters 44.2%

Market Analysis: 05736 Rutland

This part of Rutland County is not an easy win. The 05736 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 05736 is resilient only for operators who understand what they are buying. A $307K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Looking more closely, 05736 offers a low basis, the region around Rutland has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 05736 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Rutland's stable or hybrid ZIPs before stepping into 05736. The learning curve here is expensive when the lesson is wrong.

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 Rutland:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.5× the median income
Value Trend
Rising (+6.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,215/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
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)

$314K$292K$270K$248K$226K$203KFeb 2021Nov 2023Jul 2026

📊 How Does 05736 Compare?

Metric 05736 Rutland Rutland, VT Vermont
Home Value $306,602 $301,196 N/A $387,631
5-Year CAGR 6.3% 6.3% N/A 6.4%
Avg Rent $1,215 $1,308 N/A -
Cap Rate 3.1% 3.4% - -
💡 Why Invest in 05736? Click to expand

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

A healthy rental market with 44% 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 05736 (Rutland, VT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+6.3%
Strong

📉 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 $306,602
Monthly Rent $1,215
Price-to-Rent 21.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 9.4%

📈 Home Appreciation

1-Year +6.0% ▲
3-Year CAGR +3.9% ▲
5-Year CAGR +6.3% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
28.9%
Elevated risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+6.3%
Growing
Eviction process: Slow Rent control: Favorable

Demographics in 05736

Population: 490

💰 Median Household Income
$56,250
This area
$56,250
State
$75,625
USA
$74,580
🏠 Renter Occupied
44.2%
This area
44.2%
State
19.3%
USA
34.0%
💼 Unemployment Rate
3.8%
This area
3.8%
State
-24.2%
USA
3.7%
🎓 College Educated
20.3%
This area
20.3%
State
2.9%
USA
33.7%
👤 Median Age
47.2 years
This area
47.2 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
28.9%
This area
28.9%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
17.4%
This area
17.4%
USA
22.0%
👴 65 and Over
20.9%
This area
20.9%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

How viable is house hacking in Rutland, VT?

House hacking works a challenging in Rutland, VT. Rents of $1,215/mo against $307K acquisition make the strategy solid for owner-occupants.

How strict are landlord regulations in Rutland, VT?

VT law balanced for landlords, and Rutland inherits those rules. Investors should still review local ordinances for rental licensing.

How much does a house cost in Rutland, VT?

Rutland, VT median home values land near $307K. That is reasonable territory for investors looking at $1,215/mo-per-month rentals.

What is the typical rental rate in Rutland, VT?

Rutland, VT rentals go for roughly $1,215/mo a month. That puts gross yield in solid territory relative to $307K acquisition costs.

Are there empty rentals in Rutland, VT?

Rental vacancy in Rutland, VT is elevated. Investors should budget normal turnover but not chronic empty units.

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How 05736 ranks in Rutland, VT

Every ZIP in this metro, ranked. Free.

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