Real Estate Investing in Shoreham, Vermont (05770)

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

Addison County • Population: 1,154 • Data updated: September 2026

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Should you buy in 05770 (Shoreham, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (38/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 15.4% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 30.5 — 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 Shoreham, VT (05770)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $428,435
Avg Monthly Rent $1,170
1% Rule ✗ Does Not Meet
Median Income $85,625
% Renters 20.8%

Market Analysis: 05770 Shoreham

ZIP 05770 inside Addison County looks affordable on the surface — median value of $428K — but the discount exists for reasons that a careful buyer should understand before committing.

Rent of $1,170/mo on a $428K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 05770 sits below the stated 0.0% once reality is priced in.

Nearby ZIPs in Shoreham have seen price recovery that 05770 has not matched. Addison County data supports the view that the spread is structural rather than temporary.

Resident income in 05770 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The right play in 05770 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Shoreham:

C Below Average
Buy Confidence Score: 54/100
Affordability
10/25
Appreciation
14/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Rising (+5.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,170/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$460K$426K$392K$357K$323K$289KJan 2016May 2021Jul 2026

📊 How Does 05770 Compare?

Metric 05770 Shoreham Vermont
Home Value $428,435 $428,435 $387,631
5-Year CAGR 1.6% 1.6% 6.4%
Avg Rent $1,170 $1,170 -
Cap Rate 2.1% 2.1% -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 05770 (Shoreham, VT). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.1%
Low
5yr Growth
+1.6%
Slow

📊 Market Snapshot

Home Value $428,435
Monthly Rent $1,170
Price-to-Rent 30.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.1%
5-Year IRR 3.7%

📈 Home Appreciation

1-Year +5.4% ▲
3-Year CAGR -1.2% ▼
5-Year CAGR +1.6% ▲
10-Year CAGR +3.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). 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
15.4%
Elevated risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+1.6%
Flat
Eviction process: Slow Rent control: Favorable

Demographics in 05770

Population: 1,154

💰 Median Household Income
$85,625
This area
$85,625
State
$75,625
USA
$74,580
🏠 Renter Occupied
20.8%
This area
20.8%
State
19.3%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-24.2%
USA
3.7%
🎓 College Educated
35.2%
This area
35.2%
State
2.9%
USA
33.7%
👤 Median Age
52.0 years
This area
52.0 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
15.4%
This area
15.4%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 96.1%
Other/Mixed 3.6%
Hispanic/Latino 1.5%
Asian 0.4%
👶 Under 18
17.9%
This area
17.9%
USA
22.0%
👴 65 and Over
25.6%
This area
25.6%
USA
17.3%
📊 Poverty Rate
3.6%
This area
3.6%
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 05770

A Avg School Grade
1 Schools
7.7:1 Avg Class Size
$24,860 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Shoreham Elementary School

📚 Pre-K – 05 Elementary
👥
75 Students
👨‍🏫
7.7:1 Class Size
💰
$24,860 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

1 Nearby
B+
Middlebury College
2,857 students · 11.3 mi

Frequently Asked Questions

Should investors consider Shoreham, VT?

Our data puts Shoreham, VT at 2.0/5 for investability. Home prices of $428K and rents around $1,170/mo create a solid backdrop for investor activity.

What kind of tenants rent in Shoreham, VT?

Expect a solid tenant pool in Shoreham, VT. The rental market absorbs $1,170/mo rents without meaningful friction.

What is the smart move for investors in Shoreham, VT?

The best-fit strategy in Shoreham, VT is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Is vacancy a concern in Shoreham, VT?

Shoreham, VT sees elevated vacancy, which is reasonable relative to the broader VT rental market.

What price range are homes in Shoreham, VT?

Typical homes in Shoreham, VT go for around $428K. The 5-year CAGR of 0.0% predictable price movement.

You know 05770 now. You don’t know where it ranks.

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