This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.
Updated: December 2, 2024
2025 Mortgage Loan Limits: Rutland County, Vermont
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration
Rutland County, Vermont, mortgage loan limits apply in:
Rutland County 2025 mortgage loan limits include the following cities: Benson, Benson (CDP), Brandon, Brandon (CDP), Castleton, Castleton (CDP), Castleton Four Corners, Chittenden, Chittenden (CDP), Clarendon, Danby, Danby (CDP), East Poultney, Fair Haven, Fair Haven (CDP), Hubbardton, Ira, Killington, Killington Village, Mendon, Middletown Springs, Middletown Springs (CDP), Mount Holly, Mount Tabor, North Clarendon, Pawlet, Pawlet (CDP), Pittsfield, Pittsford, Pittsford (CDP), Poultney, Poultney (Town), Proctor, Proctor (CDP), Rutland, Rutland (Town), Shrewsbury, Sudbury, Tinmouth, Wallingford, Wallingford (CDP), Wells, Wells (CDP), West Haven, West Pawlet, West Rutland, West Rutland (CDP)
Historical Charts: Mortgage Loan Limits in Rutland County, Vermont
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Rutland County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Rutland County, Vermont
Mortgage statistics for Rutland County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
Mortgages
Total
Purchase Mortgages (2018-2023)
2711
Loan Type
Relative Share
Conventional
76.65%
FHA
12.47%
VA
8.15%
USDA
2.73%
Property Type
Relative Share
1-Unit Homes
94.76%
2-Unit Homes
3.98%
3-Unit Homes
0.92%
4-Unit Homes
0.33%
Borrower Status
Relative Share
One Applicant
53.19%
Two or More Applicants
46.81%
Gender
Relative Share
Male
31.61%
Female
20.62%
Joint Sex
36.92%
Not Available
10.84%
Race
Relative Share
American Indian / Alaska Native
0.26%
Asian
1.18%
Black / African American
0.96%
Native Hawaiian / Other Pacific Islander
0.15%
White
76.28%
Mixed Race
1.66%
Other Race
19.51%
Ethnicity
Relative Share
Hispanic or Latino
1.95%
Not Hispanic or Latino
78.53%
Joint Ethnicity
1.51%
Other Ethnicity
18.00%
Rutland County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Rutland County, Vermont
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Rutland County, Vermont. Local loan limits and county-level mortgage data updated regularly.
