Colchester, VT 05446 Real Estate Market Report

ZIP Code: 05446
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Colchester, VT are averaging 6.3%, which is 0.46% lower than the 6.76% average observed at this time in 2025.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary indicator of market value is the median sold price of 535,000, which represents the most reliable signal of recent transaction levels and should be the baseline for valuation and offer strategies in Colchester, VT. use sold-price comps

2. Despite a much higher median listing price of 1,142,500, recent transaction evidence centers on the lower sold-price level, which suggests sellers’ asking expectations may be above realized market value and pricing friction may be present between list and closed deals.

3. With a long median days on market of 317, sales velocity appears slow relative to a typical market cycle; this suggests buyers may have more time to negotiate and sellers should consider more competitive pricing or incentives to improve liquidity. slower transaction velocity

4. Market context shows prices are trending up while the market temperature is neutral and rent is also trending up; combined with elevated interest rate pressure and a median market rent of 2,100, investors should weigh financing cost sensitivity against rental upside when evaluating acquisitions. price growth with cautious financing

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Colchester, VT 05446 Real Estate Market Report

ZIP Code: 05446
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Colchester, VT are averaging 6.3%, which is 0.46% lower than the 6.76% average observed at this time in 2025.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market indicator is the median sold price of 351,000, which with a rising price year-over-year trend suggests recent transaction-level price appreciation in Colchester and supports seller-level pricing power for reasonably positioned homes.

2. Liquidity appears slow based on the median days on market of 294, which points to slower sales velocity and potential pricing friction despite recent price gains; this may indicate longer negotiation windows or buyer caution on higher-priced listings.

3. Market balance is best described as relatively constrained active supply with moderate transaction flow, consistent with a neutral market temperature (neutral); expect a balanced negotiation environment rather than a clearly one-sided buyer or seller market.

4. Financing and rental context: median price per square foot is 262 and median market rent is 1,600, while interest rate pressure is characterized as elevated and current 30-year fixed mortgage rates are reported at 6.3% (about 0.46% lower than the 6.76% average observed at this time in 2025), which may temper buyer affordability even as rents trend upward (up), supporting demand for well-priced SFR and condominium investments.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.