Real Estate Investing in Whiting, Vermont (05778)

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

Addison County • Population: 995 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 05778 (Whiting, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (43/100)

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

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 27.2 — hard to cash-flow at these prices.

• 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 Whiting, VT (05778)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $373,593
Avg Monthly Rent $1,143
1% Rule ✗ Does Not Meet
Median Income $72,917
% Renters 30.1%

Market Analysis: 05778 Whiting

The 05778 ZIP in Whiting, VT is a local-operator market. Outside capital chasing a $374K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 05778 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 05778 sits on the difficult end of the VT spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 05778 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The right play in 05778 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 Whiting:

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
Expensive
Homes cost 5.1× the median income
Value Trend
Stable (+2.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,143/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)

$416K$400K$384K$367K$351K$335KOct 2023Mar 2025Jul 2026

📊 How Does 05778 Compare?

Metric 05778 Whiting Vermont
Home Value $373,593 $373,593 $387,631
5-Year CAGR N/A N/A 6.4%
Avg Rent $1,143 $1,143 -
Cap Rate 2.4% 2.4% -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 05778 (Whiting, VT). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 05778 (Whiting, VT)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
2.4%
Low

📊 Market Snapshot

Home Value $373,593
Monthly Rent $1,143
Price-to-Rent 27.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 4.4%

📈 Home Appreciation

1-Year +2.0% ▲
3-Year CAGR N/A
5-Year CAGR N/A
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: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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.

Vacancy
4.6%
Low risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
N/A
Stable
Eviction process: Slow Rent control: Favorable

Demographics in 05778

Population: 995

💰 Median Household Income
$72,917
This area
$72,917
State
$75,625
USA
$74,580
🏠 Renter Occupied
30.1%
This area
30.1%
State
19.3%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-24.2%
USA
3.7%
🎓 College Educated
28.5%
This area
28.5%
State
2.9%
USA
33.7%
👤 Median Age
38.9 years
This area
38.9 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
4.6%
This area
4.6%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 87.1%
Other/Mixed 11.0%
Hispanic/Latino 8.5%
Asian 1.2%
Black/African American 0.7%
👶 Under 18
18.7%
This area
18.7%
USA
22.0%
👴 65 and Over
13.9%
This area
13.9%
USA
17.3%
📊 Poverty Rate
7.1%
This area
7.1%
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 05778

B+ Avg School Grade
1 Schools
14.8:1 Avg Class Size
$18,361 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average
👥
89 Students
👨‍🏫
14.8:1 Class Size
💰
$18,361 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 · 9.6 mi

Frequently Asked Questions

How strict are landlord regulations in Whiting, VT?

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

Are renters plentiful in Whiting, VT?

Whiting, VT offers a steady renter base at the $1,143/mo rent level. Tenant turnover is reasonable for well-managed properties.

How do home values compare in Whiting, VT?

Typical homes in Whiting, VT go for around $374K. The 5-year CAGR of 0.0% stable price movement.

Does a duplex house hack pencil in Whiting, VT?

The house hack math a challenging in Whiting, VT. Owner-occupant buyers benefit from the $1,143/mo rents and $374K home values.

Is Whiting, VT a good place for real estate investing?

Our data puts Whiting, VT at 2.0/5 for investability. Home prices of $374K and rents around $1,143/mo create a solid backdrop for investor activity.

You know 05778 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 05778 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.

Compare Plans
🤖

AI Market Advisor

Ask questions about investing in 05778 (Whiting)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 05778 (Whiting, VT).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.