Cost of Living in Middlebury, VT

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D+
19%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
50%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Middlebury Vermont National
Cost of living119108100
Groceries107107100
Health care105105100
Housing150114100
Transportation106106100
Utilities106106100
Lifestyle & Entertainment105105100
Household Items103103100
Education & Childcare103103100
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Homes For Sale In Middlebury, VT

property for sale

31 Evergreen Ln

Middlebury, VT
property for sale

1571 Route 30

Middlebury, VT
property for sale

442 E Main St

Middlebury, VT
property for sale

7 Evergreen Ln

Middlebury, VT

Cost Of Living Quick Facts

  • The cost of living in Middlebury is 10% higher than the Vermont average
  • The cost of living in Middlebury is 19% higher than the national average
  • Middlebury housing is 50% higher than the national average
  • Vermont general sales tax is 18% higher than the national average
  • Vermont state income tax is 29% higher than the national average

Most Affordable Places to Live in and Around Middlebury

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      The best places in Vermont

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$134,786$11,232$3,145$4,044
      Renters$67,740$5,645$1,580$2,032
      A good indicator of the general affordability of housing in Middlebury, VT, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Middlebury, the median monthly income is $134,786 for those who own their own homes. Under the standard rule, that income level would allow for $3,145 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $67,740, per the median income in the area. That would allow for renters to spend up to $1,580 on monthly rental expenses.

      Vermont Sales Tax

      State General Sales Tax With Max Surtax
      Vermont 6% 7%

      Vermont Income Tax

      State Income Tax (Low) Income Tax (High)
      Vermont 3.35% 8.75%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Port Henry, NY1,926928.5%
      Ticonderoga, NY3,542955.4%
      Westport, NY314964.4%
      Brandon, VT1,6011011.1%
      East Middlebury, VT3941044.4%
      Middlebury, VT7,18111918.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Chelsea, QC7,181n/a 
      Huntingdon, PA7,182918.5%
      Augusta, ON7,178n/a 
      Pinehurst, MA7,18414444.2%
      Souderton, PA7,1841076.6%
      Middlebury, VT7,18111918.6%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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