Real Estate Investing in Derby, Vermont (05829)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 05829 (Derby, VT)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 28.6% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Derby, VT (05829)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 05829 Derby
ZIP 05829 inside Orleans County looks affordable on the surface — median value of $290K — but the discount exists for reasons that a careful buyer should understand before committing.
The 05829 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 05829 sits on the difficult end of the VT spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 05829 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Distressed ZIPs reward experience. robust returns are possible in 05829, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Derby:
Market Trends
Home Value History (with trend line)
📊 How Does 05829 Compare?
| Metric | 05829 | Derby | Vermont |
|---|---|---|---|
| Home Value | $289,904 | $287,655 | $387,631 |
| 5-Year CAGR | 5.5% | 6.3% | 6.4% |
| Avg Rent | $1,170 | $1,098 | - |
| Cap Rate | 3.2% | 3.0% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 05829 (Derby, VT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $289,904 |
| Monthly Rent | $1,170 |
| Price-to-Rent | 20.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.2% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | +7.9% ▲ |
| 3-Year CAGR | +2.2% ▲ |
| 5-Year CAGR | +5.5% ▲ |
| 10-Year CAGR | +5.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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.
Demographics in 05829
Population: 1,600
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 05829
Schools in This ZIP Code
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 average monthly rent in Derby, VT?
The typical rental in Derby, VT commands about $1,170/mo monthly. That rent profile steady cash flow against the $290K purchase basis.
What strategy should investors use in Derby, VT?
Most investors in Derby, VT run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
Are there empty rentals in Derby, VT?
Derby, VT carries elevated vacancy risk. Expect measured absorption at market rents of $1,170/mo.
Is Derby, VT a good market for FHA house hackers?
The house hack math a challenging in Derby, VT. Owner-occupant buyers benefit from the $1,170/mo rents and $290K home values.
Is real estate in Derby, VT a good investment right now?
Our data puts Derby, VT at 3.0/5 for investability. Home prices of $290K and rents around $1,170/mo create a solid backdrop for investor activity.
You know 05829 now. You don’t know where it ranks.
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