Buying my first home felt like diving into the deep end of adulthood. Exciting? Yes. Terrifying? Also yes. I had no idea where to start, but one thing became clear pretty quickly—Vermont was the perfect place to put down roots. If you’re in the same boat, let me save you some time: Vermont just makes sense for first-time buyers. Here’s why.
1. I Wanted a Home I Could Actually Afford
I didn’t want to spend the next 30 years drowning in mortgage payments, and Vermont offered the kind of affordability that made homeownership realistic. Vermont mortgage rates are relatively competitive compared to national averages, which can make a significant difference in your long-term housing costs. Compared to Massachusetts or Connecticut, the prices here are way more manageable. Sure, property taxes are a bit higher, but Vermont sweetens the deal with homeowner tax credits and energy efficiency incentives.
2. I Found a Mortgage That Didn’t Make Me Panic
Let’s be real—understanding mortgage rates was like learning a new language. Thankfully, Vermont has some amazing programs that helped with my down payment and closing costs. Plus, I got a competitive interest rate, which means more money in my pocket long-term.
3. I Wanted More Than Just a House—I Wanted a Life
The first time I woke up in my Vermont home, I stepped outside, took a deep breath, and thought, Wow, this is the life. The mountain views, the fresh air, the slower pace—it all just clicked. Whether it’s hiking in the summer or skiing in the winter, there’s always something to do. And if I ever miss city life? Burlington is just a short drive away.
Before I even unpacked my boxes, I was already dreaming up ways to make my new home mine. A fresh coat of paint here, some budget-friendly upgrades there—turns out, small changes can make a huge difference. If you’re looking for easy ways to transform your space without breaking the bank, check out these simple home renovation ideas: https://www.reasonstoskipthehousework.com/easy-home-renovations/. Trust me, a few DIY tweaks can take your new place from “just bought” to “home sweet home” in no time!
4. My Home is an Investment (Not Just a Place to Sleep)
I wanted a house that would grow in value, and Vermont’s real estate market is solid. Home values have been climbing steadily, and if I ever decide to rent it out (hello, ski season tourists!), I know I have options.
5. Vermont Helped Me Save Money
Between tax breaks, first-time homebuyer grants, and energy efficiency incentives, Vermont basically handed me a financial cheat code. My monthly bills are lower than I expected, which means I can spend more on decorating my new space (or, you know, actually enjoying life). And let’s not forget about property taxes. Vermont’s property taxes are higher than the national average, but that’s balanced by other financial perks, like energy efficiency incentives and homeowner tax credits (we’ll get to those in a bit).
Ready to Find Your Own Vermont Dream Home?
If you’re looking for affordability, adventure, and a real sense of community, Vermont is where it’s at. Take the leap, start exploring, and soon enough, you’ll be settling into your own cozy home.