Saint Albans, VT 05478 Real Estate Market Report

ZIP Code: 05478
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

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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 Saint Albans, VT, are averaging 6.44%, reflecting a stable market environment for property owners compared to earlier in 2026.

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 neighborhood's representative recent sale is $366,000, making the median sold price the primary indicator of current market value; with the price year-over-year trend up, this suggests continued, albeit moderating, price appreciation that sellers can reference when setting expectations.

2. The median listing price is $349,000 while the median sold price is $366,000, which may indicate a pricing gap where seller expectations are somewhat aggressive relative to recent transaction prices; consider positioning offers or listing strategies to reflect this spread rather than relying on asking price alone.

3. Median days on market of 366 days points to slower sales velocity and prolonged marketing timelines; this extended time to contract suggests sellers should plan for longer holding periods and buyers may find more room to negotiate, though this does not alone prove weak liquidity.

4. Interest rate pressure is described as elevated and current mortgage conditions average 6.44% for a 30-year fixed, while rent year-over-year trend is down with median market rent at $1,750; elevated rates and softer rents may constrain affordability and buyer demand, so pricing strategies should account for these headwinds and for opportunities where inventory appears relatively constrained in the active sample.

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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.

Saint Albans, VT 05478 Real Estate Market Report

ZIP Code: 05478
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

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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 Saint Albans, VT, are averaging 6.44%, reflecting a stable market environment for property owners compared to earlier in 2026.

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 anchor is the median sold price of $275,000, which represents the most reliable indicator of recent transaction value in the area; given the neutral market temperature, this suggests pricing is generally balanced rather than overwhelmingly favoring one side. balanced market

2. Liquidity appears slow: the median days on market is 1,141, which points to much slower sales velocity and extended holding periods compared with typical market cycles; this may indicate pricing friction or a limited cadence of closings rather than rapid turnover. slower sales velocity

3. Valuation context shows meaningful price depth: the median price per square foot is $223, and the median market rent is $1,750; together these figures suggest positioning for SFR and condo pricing that buyers and investors should calibrate against local cost-of-capital. contextual pricing

4. Market dynamics show mixed signals: price year-over-year trend is up while rent year-over-year trend is down, and interest rate pressure is elevated (current 30-year fixed mortgage rates averaging 6.44%), which suggests buyers face affordability headwinds even as property values have edged higher—this combination may create selective opportunities for buyers where pricing and condition align. elevated interest rate pressure

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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.