Considering a move to Vermont? With scenic landscapes and lively communities from Burlington to Montpelier, the state blends natural beauty with small-city comfort. Moreover, the average cost of living in Vermont mirrors this lifestyle, offering charm at a slightly higher price.
In 2025, Vermont’s cost of living index is 114.4, about 14% above the national average. Additionally, the state ranks among the pricier ones, mainly due to housing and healthcare costs. Therefore, living comfortably here requires careful budgeting across housing, utilities, food, and transportation.
TL;DR: Average Cost of Living in Vermont 2025
- Cost of living index: 114.4 (14% above US average)
- Average annual living cost per person: $58,958
- Median home price: $450,000 (up 5.2% YoY)
- Average rent: $1,970/month (5.9% YoY increase)
- Monthly utilities: $240–$260 (10% above national average)
- Food cost per person annually: $5,100 (5% above US average)
- Annual transportation cost: $1,654
- Annual healthcare cost: $10,438
- Required annual salary for middle-class lifestyle: $65,000–$70,000
Understanding Vermont’s Average Cost of Living
Living comfortably in Vermont generally requires an income between $65,000 and $70,000 annually. For example, this salary range is similar to Massachusetts, but it’s higher than what you’d need in Maine and New Hampshire. Consequently, budgeting wisely becomes essential for families and individuals alike.
Here’s a quick breakdown of key monthly expenses:
- Housing rent: Around $1,970 per month
- Utilities: $240–$260 monthly, slightly higher due to cold winters
- Food: About $425 per month, 5% higher than the US average
- Transportation: Roughly $138 per month, owing to higher fuel prices
- Healthcare: Averaging $10,438 annually, a significant budget factor
In fact, Vermont’s costs reflect a mix of rural charm, demand-driven pricing, and desirable lifestyle amenities.
Housing and Rental Market in Vermont
Housing in Vermont faces ongoing affordability challenges. For instance, this is especially true in Burlington and South Burlington, where demand is strong while supply remains limited. The average rent stands at $1,970 per month, with median home prices reaching $450,000 in mid-2025.
When comparing Vermont to peer states:
Rent
- Vermont: $1,970
- New Hampshire: $1,263 (36% lower)
- Maine: $1,200 (39% lower)
- Massachusetts: $2,800 (42% higher)
- New York: $3,200 (63% higher)
Home Prices
- Vermont: $450,000
- New Hampshire: $417,000 (7% lower)
- Maine: $390,000 (13% lower)
- Massachusetts: $575,000 (28% higher)
- Colorado: $495,000 (10% higher)
Burlington remains Vermont’s economic hub. As a result, housing prices are driven upward by strong lifestyle demand and limited inventory.
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Utilities and Other Living Expenses in Vermont
Utility costs in Vermont are driven up by the state’s cold climate, leading to high heating needs. Monthly utilities average $240–$260, which is about 10% above the US average.
Comparisons include:
- New Hampshire: $230–$250
- Maine: ~$220
- Massachusetts: 45% above the US average
- Colorado: 14% below the US average
Food and groceries cost about $5,100 annually per person, slightly more than neighboring states because of supply chain and transport issues.
Gas prices hover between $3.75 and $3.90 per gallon, making transportation costs around $1,654 yearly.
Healthcare expenses average $10,438, one of the highest in the region.
Income and Job Market Overview in Vermont
Supporting a middle-class lifestyle in Vermont calls for annual incomes of approximately $65,000 to $70,000.
- Vermont: ~$65k–$70k required
- New Hampshire: ~$61k
- Maine: ~$55k
- Massachusetts: ~$75k
- Colorado: ~$68k
Still, average household incomes slightly lag this range, especially in Burlington, leading to some affordability concerns.
Is It Worth It to Live in Vermont?
Vermont offers a high quality of life, safety, and natural beauty. Although living costs are higher, many find the expense worthwhile.
The state fits between pricier markets like Massachusetts and New York and more affordable neighbors, Maine and New Hampshire.
If community, outdoor activities, and economic balance matter, Vermont’s cost is reasonable.
Regional Insights and Relocation Tips
- Burlington: The liveliest metro with higher rents and active real estate.
- Montpelier: The quieter state capital with government jobs.
- Rural areas: Usually cheaper, but limited transit means car dependence.
Newcomers should plan for high heating bills and limited childcare. Planning a move means budgeting carefully for housing, utilities, and healthcare.
Final Thought on Vermont’s Average Cost of Living
In 2025, Vermont ranks as a higher-cost state with excellent living standards. Housing and healthcare costs lead expenses, with utilities and childcare adding to budgets. Vermont is pricier than Maine and New Hampshire, but more affordable than Massachusetts and New York. It blends rural charm and economic resilience.
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FAQs About Vermont’s Average Cost of Living
Is Vermont expensive to live in?
Yes. The average cost of living in Vermont is about 14% above the national average, with housing and healthcare being the main contributors.
What is the average rent in Vermont?
The average rent in Vermont is around $1,970 per month, which is higher than in neighboring states like New Hampshire and Maine.
How much salary is needed to live comfortably in Vermont?
To maintain a middle-class lifestyle in Vermont, you generally need an annual income between $65,000 and $70,000.
Are utilities expensive in Vermont?
Yes. Utilities in Vermont cost about 10% more than the national average, largely due to higher heating needs during winter.
How do Vermont home prices compare regionally?
The median home price in Vermont is $450,000—higher than in Maine and New Hampshire but lower than in Massachusetts and Colorado.
