Vermont Transfer Tax Calculator: What to Expect
This simple calculator can help home sellers in Vermont estimate their transfer taxes. To get a ballpark idea of the transfer fees you might pay in the Green Mountain State, enter your home’s estimated selling price above.
Need a selling price? Try HomeLight’s free Home Value Estimator to see what your house might be worth. To receive a more accurate listing price, contact a top Vermont real estate agent and request a Comparative Market Analysis (CMA), a report that will compare your home against nearby listed and recently sold properties.
See a full cost and proceeds breakdown
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How the Vermont Transfer Tax is Calculated
Vermont’s transfer tax, known as a Property Transfer Tax, is calculated at a rate of 1.25% of the property’s sale price. This does not include the state’s Clean Water Surcharge.
For example, if you sold your home for $388,000 (Vermont’s median home price), you could expect to pay $4,850 in Vermont transfer taxes.
However, there are several different factors that can affect your total transfer tax liability. Consult this table and our calculator for further details:
| Property Type | Rate | Notes |
| General Property | 1.47% | 1.25% + 0.22% Clean Water Surcharge |
| Principal Residence | 0.5% / 1.47% | 0.5% on first $200k, then 1.47% |
| Non-Principal Residence | 3.62% | 3.40% + 0.22% Clean Water Surcharge |
| Exemption 99 (VHCB/VHFA) | 0% / 1.47% | Exempt on first $250k, then 1.47% |
Does the Seller Always Pay the Vermont Transfer Tax?
Some transactions in Vermont might be eligible for exemptions from transfer taxes, depending on their specific circumstances and the type of mortgage they have obtained.
Here are a few examples:
- Mortgage loans made by the U.S. Department of Agriculture and Rural Development:
- Exempt for the first $110,000 of the property value.
- USDA Rural Development Direct Home Loans qualify because they are mortgages USDA has committed to make.
- Mortgage loans purchased by the Vermont Housing and Finance Agency (VHFA):
- Exempt for the first $110,000 of the property value.
- VHFA-purchased mortgages qualify because they are committed to purchase from the originating lender.
- USDA Rural Development Guaranteed Loans:
- Not exempt.
- USDA guarantees these loans but does not commit to make or purchase the mortgages directly.
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