Real Estate Investing in St Johnsbury, Vermont (05819)

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

Caledonia County • Population: 9,323 • Data updated: September 2026

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Should you buy in 05819 (St Johnsbury, VT)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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
  • Elevated vacancy: 9.7% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in St Johnsbury, VT (05819)?

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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 $294,623
Avg Monthly Rent $1,017
1% Rule ✗ Does Not Meet
Median Income $57,747
% Renters 34.3%

Market Analysis: 05819 St Johnsbury

Not every below-median market is a bargain. St Johnsbury's 05819 ZIP records signals that favor experienced operators who can absorb the risk $295K pricing implies.

The 05819 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 St Johnsbury have seen price recovery that 05819 has not matched. Caledonia County data supports the view that the spread is structural rather than temporary.

Who lives in 05819 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 05819 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 St Johnsbury:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+7.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,017/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$307K$273K$239K$205K$172K$138KJul 2006Jul 2016Jul 2026

📊 How Does 05819 Compare?

Metric 05819 St Johnsbury Vermont
Home Value $294,623 $294,623 $387,631
5-Year CAGR 6.6% 6.6% 6.4%
Avg Rent $1,017 $1,017 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 05819? Click to expand

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

📊 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 05819 (St Johnsbury, VT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+6.6%
Strong

📊 Market Snapshot

Home Value $294,623
Monthly Rent $1,017
Price-to-Rent 24.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 9.3%

📈 Home Appreciation

1-Year +7.2% ▲
3-Year CAGR +4.8% ▲
5-Year CAGR +6.6% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
9.7%
Moderate risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+6.6%
Growing
Eviction process: Slow Rent control: Favorable

Demographics in 05819

Population: 9,323

💰 Median Household Income
$57,747
This area
$57,747
State
$75,625
USA
$74,580
🏠 Renter Occupied
34.3%
This area
34.3%
State
19.3%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-24.2%
USA
3.7%
🎓 College Educated
33.4%
This area
33.4%
State
2.9%
USA
33.7%
👤 Median Age
46.0 years
This area
46.0 years
State
11.2 years
USA
38.9 years
🏚️ Vacancy Rate
9.7%
This area
9.7%
State
26.5%
USA
10.5%
👥 Population by Ethnicity
White 92.7%
Other/Mixed 5.5%
Hispanic/Latino 2.8%
Black/African American 1.3%
Asian 0.5%
👶 Under 18
21.3%
This area
21.3%
USA
22.0%
👴 65 and Over
22.0%
This area
22.0%
USA
17.3%
📊 Poverty Rate
11.2%
This area
11.2%
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 05819

A+ Avg School Grade
2 Schools
10.8:1 Avg Class Size
$24,276 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

St. Johnsbury School

📚 Pre-K – 08 School
👥
662 Students
👨‍🏫
12.0:1 Class Size
💰
$25,687 Per Student
A+ Excellent

Waterford Elementary School

📚 Pre-K – 08 School
👥
149 Students
👨‍🏫
9.6:1 Class Size
💰
$22,865 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

How does St Johnsbury, VT rate as a rental market?

Our data puts St Johnsbury, VT at 3.0/5 for investability. Home prices of $295K and rents around $1,017/mo create a solid backdrop for investor activity.

What is the median home value in St Johnsbury, VT?

St Johnsbury, VT home values average about $295K. That price point suits investors targeting rentals with $1,017/mo in monthly income.

What do rentals go for in St Johnsbury, VT?

St Johnsbury, VT rentals go for roughly $1,017/mo a month. That puts gross yield in solid territory relative to $295K acquisition costs.

Is St Johnsbury, VT a friendly market for rental owners?

St Johnsbury, VT operates under VT law, which is balanced overall for landlords. Expect predictable treatment in typical lease and eviction cases.

What approach is best for St Johnsbury, VT real estate?

For St Johnsbury, VT, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 05819 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 05819 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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