Rutland
Investment Analysis

Rutland, VT
Housing Market Screening

City-level home-price and one-bedroom-rent references with transparent methodology and limitations.

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City-level screening

28.4x

Home price / annualized 1BR rent

Gross annual 1BR-rent reference
3.5%
Recorded YoY field
+4.9%

Not cap rate, ROI, valuation or buy-versus-rent advice. City fields may reflect different source years.

Median Home Price
$340,000
Average Rent (1BR)
$997/mo
Median Income
$55,000
Population
15,747

Housing Screening Context

Rutland has a computed screening multiple of 28.4x and a gross annual 1BR-rent reference of 3.5%.

These values compare separate city-level fields, not one matched property. They exclude financing, taxes, insurance, maintenance, vacancy, transaction costs and tenure horizon.

Recorded year-over-year price change: +4.9%. Source period and forecast assumptions should be reviewed before scenario use.

Read the transparent methodology or open the Housing Research Hub.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $997
Annual Gross $11,964

Est. Monthly Expenses

Property Tax (~1.5%) -$425
Insurance (~0.5%) -$142
Maintenance (~1%) -$283
Est. Net Cash Flow $147/mo

Price Forecast 2026โ€“2028

๐Ÿ”ฎ Rutland Price Forecast 2026โ€“2028

Based on 5-year Zillow ZHVI trend analysis ยท Statistical projection
๐Ÿ“ˆ Upward Trend
PROJECTEDNOW$287K2027$297Kโ–ฒ 3.5%2028$309Kโ–ฒ 7.9%20232024Now
$325K$240K
Current
$340K
2026
Projected
$297K
โ†‘ 3.5% by 2027
Projected
$309K
โ†‘ 7.9% by 2028
5yr CAGR:+6.9%
Confidence:High
Rยฒ:0.89
โ–ผ

Our Rutland housing market forecast for 2026-2028 suggests a period of moderation rather than a sharp correction. The market has shown remarkable resilience with a 5-year price change of 44.3%, but current indicators point toward a balancing act. With a price-to-rent ratio of 20.1x, which is notably above the national average, the scales currently tip in favor of renting for those not seeking long-term equity. The market temperature of 60/100 signals a transition from the frenetic pace of recent years to a more sustainable, albeit slower, growth trajectory. While the question of will Rutland home prices drop remains a concern for some, the fundamentals, including a strong risk grade of A, suggest stability over volatility.

Looking ahead to 2027 and beyond, Rutland's real estate trajectory will be heavily influenced by local economic factors. The area's appeal as a hub for outdoor recreation and a growing healthcare sector will continue to support demand, but affordability will be a key constraint. With a median home price of $267,128 and a 5-year CAGR of 7.5%, prices have outpaced local wage growth, which may cap future appreciation. The relatively quick 35 days on market indicates persistent buyer interest, but the "Rent" verdict suggests that the financial math currently favors leasing. For Rutland real estate Rutland 2027, we anticipate a stable market with modest single-digit appreciation, driven by constrained inventory and steady, but not overheated, demand from new residents seeking a Vermont lifestyle.

Projected Cap Rate (2027)
2.5%
5yr CAGR
+6.9%

Job Market

Unemployment 2.3%
National avg: 3.7%
Job Growth (YoY) +0.8%

Healthcare

87
Score
Excellent

Risk Factors

Low Inventory

Market Activity

Source: Redfin ยท 2026-05-31
Sale-to-List 94.5%
Months Supply 5.1
Price Drops 25%
Gone in 2 Wks 44%

Market Position

Affordability Average
Safety Very Safe

ROI Projector Model an editable scenario

Adjust the sliders to model different investment scenarios for Rutland.

Total ROI
-5%
on $68,000 invested
Annual ROI
-1.1%
compounded
Total Return
-$3,574
appreciation + cashflow
Mo. Cash Flow
-$1,676
year 1 estimate
Equity Growth Over 5 Years
Y187kY2108kY3129kY4152kY5176k
Appreciation
$91,667
Cash Flow
-$95,241
Final Equity
$175,607

* Estimates based on 4.9% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Scenario Calculator Estimate your monthly cashflow

Rental Cash-Flow Scenario

Pre-filled for Rutland

Property

Purchase Price$340,000
Monthly Rent$997
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$1,520
Modeled Monthly Cash Flow
-$18,245/ year
-26.8%
Cash-on-Cash
0.7%
Cap Rate

Monthly Breakdown

+ Rental Income$997
โˆ’ Mortgage (P&I)$1,719
โˆ’ Property Tax$340
โˆ’ Insurance$125
โˆ’ Maintenance$283
โˆ’ Vacancy Loss$50
= Net Cash Flow-$1,520

Scenario Summary

Down Payment
$68,000
Loan Amount
$272,000
Total Monthly Expenses
$2,517
Gross Yield
3.5%

Investor Toolkit

Research Rutland before you invest

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: July 2026