GemHausNew report
Boundary of ZIP code 05478

Market Snapshot

Median listing price
$465K

The median listing price in Georgia, VT ZIP 05478 is $464,950 as of November 2026.

Median rent
$1,900/mo

The median market rent in Georgia, VT ZIP 05478 is $1,900/month as of November 2026.

Days on market
37 days

The median days on market in Georgia, VT ZIP 05478 is 37 days as of November 2026. The market is currently neutral.

Gross rental yield
4.90%

At a median list price of $464,950 and a median rent of $1,900/month, the gross rental yield in Georgia, VT ZIP 05478 is 4.90% as of November 2026.

Georgia, VT 05478 Real Estate Market Report

ZIP Code: 05478

Report Date: November 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.


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.

Analysis Window
90 Days
Total Properties Analyzed
54
Active Listings
54
Sold Properties
0

Market Metrics

Median Listing Price
$464,950
Median Sold Price
$479,000
Median Price per Sqft
$234/sqft

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.


Rental Market

Median Market Rent
$1,900

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.


Property Taxes

Property Tax Rate
1.21%

Liquidity & Velocity

Median Days on Market
37
Sale-to-List Ratio
100.0%

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.

Price YoY Trend
up
Market Temperature
neutral
Interest Rate Pressure
elevated

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates for properties in Georgia, VT, are averaging 7.1%, reflecting a stable market environment compared to earlier 2026 levels.

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


Key Findings

  1. The primary indicator of market value is the $479,000 median sold price, which represents recent transaction activity and suggests realized buyer willingness to pay in this season; contextual analysis indicates modest appreciation consistent with broader trends.
  2. The $464,950 median listing price compared with the median sold price appears to show sellers achieving sale prices at or above asking in the sampled transactions, which may indicate balanced pricing and limited immediate downward pressure on offers.
  3. The 37 median days on market points to moderate transaction velocity—longer than a rapid turnover market—so this condition may indicate more negotiation time and slightly reduced urgency for buyers.
  4. The $234 median price per square foot combined with a $1,900 median market rent and reported elevated interest rate pressure (current 30‑year fixed mortgage rates averaging 7.1%) suggests financing costs are a headwind for some buyers and may temper demand even as the market temperature is described as neutral.

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.

Recent Transactions

208 Sandy Cove Rd, Saint Albans, VT 05478Top Sale

Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.

3 beds2 baths1,512 sqft
$729,000
Oct 2026
$482/sqft
152 Shawn Dr, Saint Albans, VT 05478Premium

Sold above market average

3 beds2 baths2,028 sqft
$625,500
Sep 2026
$308/sqft
76 days on market
17 Meadowbrook Ln, Saint Albans, VT 05478Premium

Quick sale indicating strong buyer demand and competitive market conditions.

3 beds1 baths1,218 sqft
$400,000
Sep 2026
$328/sqft
1 days on market
256 Hathaway Point Rd, Saint Albans, VT 05478Value

Below-market acquisition. Investor purchase with value-add potential through renovation.

5 beds2 baths2,747 sqft
$360,000
Aug 2026
$131/sqft
1 days on market
58 Nason St, Saint Albans, VT 05478Premium

Quick sale indicating strong buyer demand and competitive market conditions.

3 beds1 baths1,205 sqft
$347,000
Sep 2026
$288/sqft
1 days on market
126 N Elm St, Saint Albans, VT 05478Market Benchmark

Quick sale indicating strong buyer demand and competitive market conditions.

3 beds1 baths1,355 sqft
$335,000
Aug 2026
$247/sqft
1 days on market
91 Hathaway Inn Dr, Saint Albans, VT 05478Premium

Quick sale indicating strong buyer demand and competitive market conditions.

3 beds1 baths912 sqft
$295,000
Sep 2026
$323/sqft
1 days on market
15 Edward St, Saint Albans, VT 05478Value

Below-market acquisition. Investor purchase with value-add potential through renovation.

2 beds1 baths1,830 sqft
$221,650
Aug 2026
$121/sqft
1 days on market

Investment Analysis

Compare rental income potential against ownership costs and benchmark against market averages.

Rent vs Cost to Own

Monthly rental income vs estimated ownership cost

-$1,317/mo
05478 Avg Rent
05478 Cost to Own
Rent$1,900
Own$3,217

20% down, 7.18% rate, 1.2% tax

Data Sources

Real estate market data & public records, and GemHaus® proprietary models.

Report generated: 11/7/2026

GemHaus

Get personalized market intelligence

Explore real-time property analysis in Georgia, VT: valuations, rental estimates, costs, and pro-forma projections.

Nearby Market Reports