Mortgage Calculator, Vermont

Q: Does Vermont have a state income tax?

Yes. Vermont levies a progressive state income tax on earned income.

Q: What is the Vermont income tax rate for 2026?

Vermont uses a progressive tax system with 4 brackets. Rates range from 3.35% to 8.75%, depending on your taxable income. Vermont has not yet published its 2026 schedule, so these are the 2025 figures.

Q: What is the standard deduction in Vermont?

The standard deduction in Vermont is $7,650.00 for single filers (2025 figures). The personal exemption is $5,300.00.

Q: How is Vermont income tax calculated?

Vermont uses a progressive (marginal) tax system. Your income is divided into brackets, and each portion is taxed at the corresponding rate. Only the income within each bracket is taxed at that bracket's rate, not your entire income.

Q: What are the Vermont income tax brackets for 2026?

The Vermont tax brackets for single filers (2025 figures) are: $0.00 to $49,400.00: 3.35%; $49,400.00 to $119,700.00: 6.60%; $119,700.00 to $249,700.00: 7.60%; over $249,700.00: 8.75%.

Calculate your monthly mortgage payment in Vermont. Includes principal, interest, property taxes, and insurance.

Updated October 2026

Mortgage Details, Vermont

Home Price

$

Down Payment

$

0.20% down · LTV 0.80%

Loan Term

Interest Rate

% / year

Annual Property Tax Rate

% of home value

Monthly Home Insurance

$

Payment Breakdown

Total Monthly Payment$2,618.84

Monthly Breakdown

Principal & Interest

$2,102.17

Property Tax

$366.67

Home Insurance

$150.00

Loan Summary

Loan Amount

$320,000.00

Total Interest

$436,781.20

Total Cost

$836,781.20

Amortization Schedule

Year	Principal	Interest	Balance
1	$3,329.67	$21,896.37	$316,670.33
5	$4,380.16	$20,845.88	$300,815.35
10	$6,170.97	$19,055.07	$273,787.17
15	$8,693.92	$16,532.12	$235,708.72
20	$12,248.37	$12,977.67	$182,062.10
25	$17,256.03	$7,970.01	$106,482.48
30	$24,311.03	$915.01	$2.61

Progressive

State Income Tax

30 or 15 yr

Mortgage Term

< 20% down

PMI Threshold

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Mortgage Calculator FAQ, Vermont

Disclaimer: For informational purposes only. Not tax, legal, or financial advice.