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New England Landmark Realty covers the Vermont real estate market 

from the inside — market data, buyer strategy, seller timing, land 

use regulation, and the policy decisions shaping what homes cost and 

who can afford them.

 

Tony Walton has been working Vermont real estate since 1978. 

The analysis here reflects that depth.

 

Browse by topic below, or use the search to find what you need.

March 8, 2025

Buying a Ski Home in Vermont? 7 Hidden Costs You Need to Know

 

By New England Landmark Realty LTD

Why Vermont Ski Homes Are a Smart Investment – But Not Without Hidden Costs

Owning a ski home in Vermont is a dream for many buyers, and finding the right property is key. Browse Vermont ski homes for sale to explore your options.

This guide breaks down the 7 hidden costs every ski home buyer needs to know.

 

1️⃣ HOA Fees & Special Assessments – What to Expect

Many ski homes, especially in resort communities, come with Homeowners Association (HOA) fees. Want to see HOA fees for specific communities? Check out our Sugarbush & Stowe Community Guide.

These fees typically cover:

  • Snow removal & road maintenance
  • Shared amenities (pools, hot tubs, fitness centers)
  • Exterior maintenance & landscaping

🏔️ Pro Tip: Some Vermont ski communities have special assessments for major repairs (such as road repaving or clubhouse renovations). Always review HOA documents before buying.

 

2️⃣ Seasonal Maintenance Costs (Snow Removal, Heating & More)

Vermont winters are beautiful but brutal—and maintaining a ski home requires additional upkeep costs:

  • Snow Removal: Private driveways and walkways need regular clearing ($50–$150 per service)
  • Heating Costs: Many ski homes rely on propane or oil heat, which can add $3,000–$6,000 per season
  • Winterization: If you're not a full-time resident, winterizing your home to prevent frozen pipes can cost $300–$1,000 annually

🏔️ Pro Tip: Look for homes with energy-efficient heating systems to lower long-term costs. Consider properties with modern insulation and efficient heating systems to reduce your heating bills.

 

3️⃣ Short-Term Rental Restrictions – What You Need to Know

Many buyers plan to rent out their ski home on Airbnb or VRBO to offset costs, but not all communities allow short-term rentals. Looking for Airbnb-friendly ski homes? See top investment properties here.

Check for:

  • HOA rental restrictions

  • Local zoning laws

  • Minimum-night rental policies (some areas require 30+ night stays)

🏔️ Pro Tip: Properties in Killington and Sugarbush tend to have more Airbnb-friendly policies compared to Stowe’s stricter rental rules.

 

4️⃣ Property Taxes & Insurance Costs in Vermont

Compared to other states, Vermont has higher-than-average property taxes. Curious about your tax rate? Use Vermont's property tax calculator to estimate your costs.

Insurance costs are also higher for ski homes due to:

  • Extreme winter weather risks (snow loads, ice damage, frozen pipes)
  • Short-term rental liability (if applicable)

🏔️ Pro Tip: If you rent the home, have specialized short-term rental insurance to protect against guest-related damages.

 

5️⃣ Ski-In/Ski-Out Premium – Is It Worth the Cost?

Ski-in/ski-out properties command a premium price, often costing 30%–50% more than comparable homes without direct slope access. Click here for exclusive ski-in/ski-out home listings.

🏔️ Pros: ✅ Higher resale value & demand ✅ Greater rental income potential

🏔️ Cons: ❌ Higher purchase price & property taxes ❌ Limited inventory & competition among buyers

🏔️ Pro Tip: The higher nightly rental rates for ski-in/ski-out units can justify the cost if you plan to rent your ski home.

 

6️⃣ Furnishing & Upkeep – The Hidden Expenses of a Rental-Ready Property

If you plan to rent out your ski home, be prepared for:

  • Furnishing costs ($10,000–$50,000 for a fully equipped rental)
  • Deep cleaning services ($150–$300 per cleaning)
  • Hot tub & fireplace maintenance ($500–$1,000 per year)

🏔️ Pro Tip: Budget for annual wear & tear, especially if your home sees heavy rental turnover.

 

7️⃣ Resale Value & Market Trends for Vermont Ski Homes

Not all ski homes appreciate at the same rate. Luxury homes in Stowe tend to hold value better, while investment-focused properties in Killington offer stronger rental returns.

🏔️ Pro Tip: If you plan to sell in the future, focus on location, rental potential, and year-round appeal to maximize resale value.

 

📢 Ready to Buy a Ski Home in Vermont? Let's Talk!

Are you thinking of selling your ski home? Get a free home valuation and see how much your property is worth in today's market. Whether you're buying or selling, we're here to help.

📞 Call us today at 802-253-4711 or visit NELandmark.com for personalized guidance and access to the best ski properties before they hit the market. We're here to support you every step of the way.

🔑 Want a FREE Vermont Ski Home Cost Breakdown? Sign up now and get exclusive market insights delivered straight to your inbox! Visit our Ultimate Vermont Buyer Guide for more tips!

 

About The Author

Meet Tony Walton, owner and principal broker at New England Landmark Realty. With years of expertise in Vermont's real estate market, Tony and his team provide personalized market insights, top-tier service, and exclusive listings tailored to buyers and investors.

📞 Connect with Tony & the New England Landmark Realty team at NELandmark.com or call 802-253-4711 for expert guidance.

Posted in Home Buying Tips, Luxury and Vacation Homes, Mad River Valley Market Trends & Updates
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March 8, 2025

From Farmhouses to Fortune: Why Historic Vermont Estates Are Back in Demand

Old Money Knows: History Appreciates, Trends Fade

By New England Landmark Realty LTD

In an era where modern luxury is mass-produced, Vermont’s historic estates stand apart. These properties aren’t just homes—they’re exclusive pieces of history crafted with materials and techniques that no longer exist, reserved for a select few.

For the ultra-wealthy, owning history isn’t just about prestige—it’s about the enduring value. A 200-year-old estate that has endured wars, market crashes, and generational shifts is more than a home—it’s a fortress of legacy, a secure investment that will stand the test of time.

And today’s elite buyers aren’t tearing them down. They’re leading a movement, restoring them to their former glory, and preserving their historical significance for future generations.

Why Historic Vermont Estates Are Skyrocketing in Value

🔹 Authenticity Is the New Luxury – In a world of cookie-cutter mansions, a one-of-a-kind, handcrafted estate is priceless.

🔹 Legacy Over Speculation – Wealthy buyers are moving away from short-term flips and toward multi-generational investments.

🔹 Tax & Preservation Incentives – Vermont offers financial benefits for historic preservation, making restoration a smart move.

🔹 Scarcity Factor – No one is building new 18th-century estates. The supply is permanently limited—which means values will only go up.

Where Vermont’s Most Sought-After Historic Homes Are Selling

1. Woodstock: The Equestrian & Gilded Age Estates

  • Iconic 18th and 19th-century estates were built for America’s wealthiest families.
  • Features include original post-and-beam barns, hand-carved woodwork, and sprawling equestrian facilities.
  • Who’s buying? High-net-worth individuals who appreciate legacy properties with deep-rooted history.

2. Manchester: The Summer Homes of New York’s Elite

  • Former summer retreats for old-money families from New York and Boston.
  • Home to grand Georgian, Federal, and Colonial Revival mansions built before modern luxury had a name.
  • Who’s buying? Investors are seeking trophy properties with historic significance.

3. Shelburne & Lake Champlain: Waterfront Estates That Tell a Story

  • Lakefront properties were built in the mid-to-late 1800s by Vermont’s wealthiest industrialists.
  • Features include original stone fireplaces, grand staircases, and handcrafted ironwork.
  • Who’s buying? Legacy investors and those who understand that historic waterfront estates never lose value.

The Modern Restoration Trend: Preserving History Without Losing Luxury

Owning a historic estate no longer means sacrificing comfort for charm. The new wave of luxury buyers wants history without compromise. That means:

✅ Geothermal heating hidden behind 200-year-old stone walls

✅ Smart home technology seamlessly integrated into historic interiors

✅ Private airstrips and heliports added while preserving original landscapes

✅ Expansive, modern kitchens inside hand-built 19th-century farmhouses

This isn’t about flipping a property. It’s about restoring a piece of history to last another century.

Why These Estates Sell Before the Public Even Knows

🔹 A 250-year-old Manchester estate sold via private trust transaction—never touching the open market.

🔹 A restored 18th-century Woodstock farmhouse was secured before renovations were even complete.

🔹 A Champlain waterfront mansion changed hands quietly through a family office deal.

These homes don’t “sit on the market.” They move through private channels between those who understand their value.

Your Move: How to Acquire One of Vermont’s Historic Estates

If you’re looking for a legacy property with true history, you won’t find it in a public listing.

📩 Let’s talk. My team specializes in sourcing Vermont’s most exclusive, off-market historic estates.

📞 Tony Walton | NELandmark.com | 802-253-471

Posted in Luxury and Vacation Homes
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March 7, 2025

Vermont's Property Insurance Crisis: Rising Costs, Shrinking Options, and What Homeowners Can Do

 

By New England Landmark Realty LTD

Insurance is supposed to provide peace of mind. Instead, it's becoming a financial headache. According to the latest Intercontinental Exchange (ICE) Mortgage Monitor Report, property insurance costs are soaring nationwide. The average homeowner's premium jumped 14% in 2024 alone—the most significant increase on record. Worse, over the past five years, premiums have climbed 61%.

For Vermont homeowners, the situation is even more complex. Unlike Florida or Texas, where insurers are raising rates but staying in the market, Vermont faces a silent crisis: fewer insurance providers, rising costs, and coverage restrictions that could reshape the state's real estate landscape.

Why Are Vermont's Insurance Costs Rising?

While national markets wrestle with hurricanes, wildfires, and skyrocketing home values, Vermont's challenges are unique:

1. Fewer Insurance Providers = Less Competition

Insurance companies like options. They prefer high-value, low-risk markets with predictable weather patterns. Vermont doesn't fit that mold. A combination of severe winter storms, increased flood risk, and an aging housing stock has made many insurers hesitant to operate here.

The result? Less competition and higher prices. Multiple insurers fight for business in states like Texas or Florida, softening price hikes. If your provider raises rates or drops your policy in Vermont, your choices are limited.

2. Flooding & Climate Risk Are Reshaping Underwriting

Vermonters know flooding isn't just a coastal issue. The July 2023 floods in Montpelier and Barre devastated communities, leading to a spike in claims and increased scrutiny from insurers. Areas with previous flood claims see higher rates, higher deductibles, and non-renewals.

Even homeowners outside of flood zones aren't safe—broader climate risk modeling is affecting policies across the state. Insurers are now looking at statewide data, meaning that if enough homes in a region suffer flood damage, everyone in the area pays more.

3. Rising Home Values = Higher Replacement Costs

Vermont's real estate market has been red-hot, especially in places like Burlington, Stowe, and Woodstock. However, higher home values mean higher replacement costs, and insurers adjust their pricing accordingly.

A house that would have cost $250,000 to rebuild five years ago might now cost $350,000 due to inflation in construction materials and labor shortages. That added cost is reflected in your insurance premiums.

How Are Vermont Homeowners Fighting Back?

With limited options and rising prices, Vermonters are getting creative to control their costs:

✅ Shopping Around – ICE data shows a record high of 11.4% of U.S. homeowners switched providers in 2024. Vermont-specific data isn't available, but local brokers confirm that more homeowners are hunting for better deals.

✅ Raising Deductibles – ICE reports that new mortgage holders in 2024 had deductibles 19% higher than existing homeowners. This is a calculated risk: a higher deductible means lower monthly costs, but you'll pay more out of pocket if disaster strikes.

✅ Cutting Coverage – Some homeowners are dropping optional protections, like ice dam damage or extended liability coverage. But in Vermont's harsh winters, skipping these protections could be costly.

✅ Exploring State and Federal Assistance – Flood-prone homeowners are looking into National Flood Insurance Program (NFIP) policies, but these, too, are getting more expensive. Meanwhile, Vermont legislators debate potential state-level solutions to control insurance costs.

The Real Estate Ripple Effect: Buyers and Sellers Take Notice

Insurance isn't just a homeowner's problem—it's a market problem. Rising premiums affect affordability, slow sales, and create unexpected costs for buyers and sellers.

For buyers, a low mortgage rate won't matter if insurance costs push the total monthly payment beyond budget. Tony Walton, a leading Vermont real estate expert, warns buyers to research insurance costs before making an offer.

"Some homes—especially in flood zones—are much more expensive to insure than others," says Walton. "A house that seems affordable at first glance can become unaffordable once you factor in insurance costs. Smart buyers are running the numbers early."

For sellers, expect more scrutiny from buyers. A home with high insurance costs or a history of claims could be more challenging to sell or require a price adjustment.

What Can You Do?

If you're a homeowner, a buyer, or a seller, the insurance market is changing. Don't get caught off guard.

✅ Review Your Policy – Look for rate increases, deductible changes, and exclusions. Don't assume your coverage from last year is the same this year.

✅ Shop Around—loyalty doesn't pay. Get multiple quotes and compare coverage levels. Some insurers are more competitive in Vermont than others.

✅ Factor Insurance Into Your Home Search – If you're buying, get insurance quotes before making an offer. A "good deal" on a house can become a financial trap if insurance costs are excessive.

✅ Talk to a Real Estate Expert – Vermont's insurance and real estate markets are evolving. You need an expert who understands how these changes impact you.

Your Next Step: Get Local Guidance

The Vermont real estate market is shifting, and insurance is a more significant factor than ever. Whether you're looking to buy, sell, or make sense of your rising costs, now is the time to talk to a trusted local expert.

🏡 Tony Walton and his team at VTMove.com specialize in navigating Vermont's evolving real estate landscape. With deep market knowledge and a commitment to personal service, they can help you find innovative strategies to protect your investment and wallet.

📞 Call Tony Walton today at 802-253-4711 or visit NELandmark.com to start the conversation. Don't wait until your insurance bill surprises you—get ahead of the market now

Posted in Community Insights, Home Buying Tips, Vermont Real Estate Trends
no comments yet
March 7, 2025

Best Real Estate Investments in Vermont for 2025: Where Savvy Investors Are Putting Their Money in 2025

 

By Trish Sawyer

Looking for the best real estate investments in Vermont for 2025? From luxury ski homes in Stowe to high-demand rental properties in Montpelier, discover where to buy for strong returns and lasting value.

Vermont’s Real Estate Market in 2025: A Wealth of Opportunity

If you’ve ever dreamed of waking up to pristine mountain views, crisp Vermont air, and a local bakery that actually knows your name, you’re not alone. The Green Mountain State is attracting more luxury home buyers, investors, and city escapees than ever—and for good reason.

Vermont’s 2025 real estate market is primed for big opportunities, whether you’re eyeing a ski-in/ski-out chalet, a rental property in a bustling college town, or a historic estate where you can finally write that novel you keep talking about.

But where exactly should you invest? Let’s break it down.

What’s Driving Vermont’s 2025 Real Estate Market?

Before we get to the good stuff (like where to find your dream investment), let’s talk about why Vermont is the place to put your money in 2025:

  • More Homes on the Market – Inventory is up 37.8% from last year, meaning you actually have options (unlike that time you tried to buy a home in 2021 and everything vanished overnight). (Houzeo)
  • Stable Home Prices – While prices continue to appreciate steadily, Vermont hasn’t experienced the wild roller coaster swings seen in other states. That means your investment is safe and predictable—like a Subaru in a snowstorm.
  • Luxury & Short-Term Rental Demand is Booming – Whether it’s a lakefront home, a cozy ski lodge, or a modern downtown condo, Vermont remains a top-tier vacation rental hotspot.

The Best Vermont Real Estate Investments for 2025

1. Luxury Vacation Homes & Ski Properties 

 Best for: Buyers who love après-ski cocktails and six-figure appreciation.

 Top Locations: Stowe, Woodstock, Mad River Valley, Killington, Stratton

If you’re dreaming of sipping hot cocoa by a roaring fire while your short-term rental guests pay your mortgage, this one’s for you. Vermont’s ski towns continue to see high demand for luxury second homes and vacation rentals, making them one of the best investment plays of 2025.

 Pro Tip: Want top-tier rental income? Go for a ski-in/ski-out chalet or a downtown Woodstock historic home—they’re vacation gold.

2. High-Yield Short-Term Rentals 

 Best for Passive income lovers who want their money to work harder than they do.

 Top Locations: Stowe, Woodstock, Waterbury, Warren, Lake Champlain Region

Short-term rentals in Vermont are hotter than a maple syrup boil in March. With visitors flocking year-round for skiing, hiking, and fall foliage, high-end Airbnbs command premium rates—especially in Stowe and Woodstock.

 Pro Tip: Charming downtown homes and lakefront retreats book fast—make sure your town allows short-term rentals before you start counting your future profits.

3. Luxury Estates & Equestrian Properties 

 Best for: Buyers who want privacy, acreage, and a home that makes people say ‘Wow.’

 Top Locations: Woodstock, Shelburne, Charlotte, Waitsfield

Want rolling hills, endless acreage, and maybe a barn or two? Vermont has some of the most stunning country estates in New England. Think horse farms, vineyard estates, and grand historic homes that scream New England elegance.

 Pro Tip: Properties near Lake Champlain or in Woodstock hold their value like a fine Vermont cheddar—they’re classic, desirable, and only get better with age.

4. Income-Producing Multifamily & Long-Term Rentals 

 Best for Investors who love steady cash flow and tenants who don’t leave their ski boots in the bathtub.

 Top Locations: Burlington, Montpelier, Barre, Waterbury

Vermont’s college towns and government/healthcare job hubs (like Montpelier and Burlington) have strong rental demand—especially with young professionals and students looking for housing.

 Pro Tip: A duplex in Montpelier or a triplex in Burlington’s Old North End can generate consistent rental income and long-term appreciation.

The Challenges (And How to Outsmart Them)

  • Winter Slows Everything Down – Fewer buyers are willing to trudge through three feet of snow for a showing, which means less competition and better deals for those who don’t mind a little adventure!
  • Short-Term Rental Restrictions Exist – Some towns (like Stowe and Burlington) are cracking down on Airbnb rules, so check before buying.
  • Rural Properties Need More Maintenance – That Gorgeous Lakeside Home? Yep, it needs winterization. Plan accordingly.

Final Thoughts: Is 2025 the Right Time to Invest in Vermont?

If you love strong returns, gorgeous views, and a real estate market built on stability (not speculation)—then yes, 2025 is your year to invest in Vermont.

Whether it’s a luxury ski home, a historic downtown rental, or a high-cash-flow multifamily property,  plenty of innovative investment opportunities await you in Central Vermont and beyond.

Why Work With Trish Sawyer?

Buying a home in Vermont isn’t just about searching online—it requires local insight, exclusive connections, and expert guidance to uncover hidden gems in a competitive market.

As a luxury real estate specialist in Central Vermont, I offer:

 

  •  Personalized Service – I take the time to understand your vision and needs.
  •  Access to Exclusive & Off-Market Listings – The most coveted properties don’t always make it to the MLS.
  •  Deep Local Expertise – From the slopes of Stowe to the verdant hills of Woodstock, I know the market inside and out.
  •  Seamless Buying Experience – From negotiation to closing, I handle the details so you can focus on enjoying your Green Mountain retreat.

 

Let’s Find Your Dream Vermont Home

Looking for the perfect Vermont investment property? As a local real estate expert, I can help you find the best opportunities and negotiate a deal that works for you. 

Let’s make it happen! Call me at (802) 233-0554 or email trishsawyer@nelandmark.com for a private consultation.

 Contact Trish Sawyer – New England Landmark Realty LTD

Posted in Home Buying Tips, Luxury and Vacation Homes, Vermont Real Estate Trends
no comments yet
March 6, 2025

Eco-Luxury Homes: Sustainable Living Without Compromising on Luxury

Embracing a Greener Lifestyle Without Compromising on Luxury

By Shola Abraham

Luxury living has taken on a new meaning. Today, it is about grandeur and comfort, sustainability, and environmental consciousness. Eco-luxury homes redefine opulence by seamlessly blending sophisticated design with green living, proving that sustainability and luxury can go hand in hand.

What Makes Eco-Luxury Homes Stand Out?

Eco-luxury homes are designed with both elegance and ecological responsibility in mind. From the materials used to the energy-efficient technologies incorporated, these homes prioritize beauty and sustainability.

1. Sustainable & High-Quality Materials

The foundation of eco-luxury homes lies in the materials. Builders use responsibly sourced, durable, and non-toxic materials that enhance aesthetics while ensuring long-term sustainability.

  • Reclaimed Wood & Bamboo: Beautiful and renewable options for flooring, cabinetry, and furniture.
  • Natural Stone & Clay: Timeless materials that provide durability while reducing environmental impact.
  • Non-Toxic Paints & Finishes: Improve indoor air quality while enhancing the home's overall design.

2. Energy Efficiency & Smart Technology

Eco-luxury homes incorporate cutting-edge technology to minimize energy consumption and enhance convenience.

  • Solar Panels & Geothermal Systems: Reduce dependence on fossil fuels while lowering utility costs.
  • Smart Home Integration: Automated lighting, climate control, and security systems optimize energy use without sacrificing comfort.
  • High-Performance Windows & Insulation: Maintain indoor temperatures efficiently, reducing heating and cooling needs.

3. Maximized Natural Light & Biophilic Design

Eco-luxury homes celebrate nature by allowing it to become an integral part of the living space.

  • Expansive Windows & Skylights: Reduce reliance on artificial lighting while enhancing the ambiance.
  • Indoor Green Spaces: Living walls, indoor gardens, and water features promote well-being and air quality.
  • Open Floor Plans with Seamless Indoor-Outdoor Connection: This creates a natural flow between living spaces and outdoor retreats.

4. Water Conservation & Eco-Friendly Landscaping

Luxury homes with sustainable features prioritize water efficiency and landscape harmony.

  • Rainwater Harvesting Systems: Collect and reuse rainwater for irrigation and household use.
  • Drought-Tolerant Landscaping: Native plants and xeriscaping reduce water consumption while maintaining lush beauty.
  • Greywater Recycling Systems: Reuse water from sinks and showers for irrigation and non-potable purposes.

A New Era of Luxury Living

Eco-luxury homes are shaping the future of real estate by demonstrating that luxury and sustainability can coexist. These homes provide unmatched elegance and a healthier, more responsible way of living.

🌱 Ready to experience the perfect blend of luxury and sustainability?

🏡 Let’s find your dream eco-luxury home today! Contact me to explore exquisite, sustainable living options tailored to your lifestyle.

About the Author: Shola Abraham

Shola Abraham is a real estate professional with a deep understanding of homeowners' associations, property management, and sustainable housing. With years of experience managing condominiums and co-ops across multiple markets, she has a unique perspective on the benefits and challenges of each. Now, as a real estate expert with Northland Real Estate, she helps buyers and investors navigate Vermont’s evolving housing landscape, ensuring they find homes that align with their financial goals and sustainability values.

🌱 Ready to Find Your Sustainable Dream Home? Let's Talk!

Choosing between a co-op and a condo is more than just a financial decision—it's about lifestyle, community, and long-term value. If you're interested in Vermont’s growing eco-friendly housing market or want to find the best investment, Shola can help you make the right move.

🏡 Let’s find the perfect property for your lifestyle!

📞 Call or text Shola today at (802) 433-4304

📩 Email: SholaAbraham@nelandmark.com

🔑 Your ideal home—sustainable, stylish, and innovative—awaits!

Posted in Energy and Sustainability
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March 5, 2025

What’s the Best Vermont Ski Town to Buy a Home? (Sugarbush vs. Stowe vs. Killington)

 

Why Buying a Ski Home in Vermont Is a Smart Investment

By New England Landmark Realty LTD

Vermont’s ski towns offer some of the best real estate opportunities for second-home buyers and investors. Whether you're looking for a ski-in/ski-out retreat, a vacation home, or an income-generating rental, choosing the right town is crucial.

This guide compares Sugarbush, Stowe, and Killington to help you decide which Vermont ski town is the best place to buy a home in 2025.

🏔 Sugarbush vs. Stowe vs. Killington – Which Ski Town Is Right for You?

Feature Sugarbush Stowe Killington
Median Home Price $650,000 $1.1M $480,000
Ski Resort Size 4,000+ acres 2,360 acres 1,509 acres
Rental Demand High (Seasonal & Long-Term) High (Luxury & Year-Round) Very High (Short-Term Rentals)
Ski-In/Ski-Out Availability Limited but High-Value Premium, Expensive Abundant, Affordable
Best For Outdoor enthusiasts, lower home costs Luxury buyers, strong appreciation Investors, Airbnb income

 

📍 Sugarbush – The Local’s Favorite with Great Value

🔎 → Browse all Sugarbush homes for sale 🏡 Median Home Price: $650,000

💰 Rental Demand: Strong seasonal rental market

❄️ Why Buy Here? Sugarbush is one of Vermont’s best-kept secrets, offering world-class skiing without Stowe’s premium price tag. Homes here provide strong rental potential and a true Vermont ski culture.

✅ Pros: Lower home prices than Stowe, strong resale value, growing rental demand.

❌ Cons: Fewer luxury options, limited ski-in/ski-out homes.

📍 Stowe – Vermont’s Premier Luxury Ski Destination

🔎 → Browse all Stowe homes for sale 🏡 Median Home Price: $1.1M

💰 Rental Demand: High for luxury properties

❄️ Why Buy Here? Stowe is the most prestigious ski town in Vermont, attracting affluent buyers and strong year-round tourism. Homes here see higher appreciation rates but come with a premium price tag.

✅ Pros: High-end properties, top-notch dining & amenities, year-round activities.

❌ Cons: Expensive homes, competitive market.

📍 Killington – Best for Investment & Short-Term Rentals

🔎 → Browse all Killington homes for sale 🏡 Median Home Price: $480,000

💰 Rental Demand: Very high for short-term Airbnb rentals

❄️ Why Buy Here? If you’re looking to maximize rental income, Killington is the place to invest. With Vermont’s longest ski season and party-friendly atmosphere, it attracts consistent rental demand.

✅ Pros: Lower home prices, high Airbnb potential, strong demand for ski-in/ski-out rentals.

❌ Cons: Less high-end luxury, more seasonal market fluctuations.

💰 Investment Considerations: Where Can You Make the Most Money?

🔹 Appreciation Potential: Stowe leads in long-term home value growth, while Sugarbush follows closely.

🔹 Rental Income: Killington is the best option for short-term rentals & Airbnb.

🔹 Affordability: Sugarbush offers the best balance of home price and rental demand.

📢 Ready to Find Your Dream Ski Home? Let’s Make It Happen!

🏔️ Whether you're looking for a vacation home, an investment property, or the perfect ski retreat, our team has the insider knowledge and exclusive listings to help you find the best deal before it hits the market.

📞 Call us today at 802-253-4711 or visit NELandmark.com to get personalized guidance and access to the hottest ski properties in Vermont.

🔑 Want VIP Access to Off-Market Listings? Sign up now and be the first to know about the best properties before they go public!

About The Author

Meet Tony Walton, owner and principal broker at New England Landmark Realty. With years of expertise in Vermont's real estate market, Tony and his team provide personalized market insights, top-tier service, and exclusive listings tailored to buyers and sellers. Whether you're seeking a dream ski home or looking to make a strategic investment, Tony’s local knowledge and industry connections make all the difference.

📞 Connect with Tony & the New England Landmark Realty team at NELandmark.com or call 802-253-4711 for expert guidance and premier real estate services.

Posted in Home Buying Tips, Luxury and Vacation Homes, Mad River Valley Market Trends & Updates
no comments yet
March 5, 2025

Vermont Real Estate: A Market Poised for Opportunity

By New England Landmark Realty LTD

While yesterday's market sell-off may have sent shockwaves through Wall Street, Vermont's real estate market is demonstrating a different narrative. With a significant drop in mortgage rates, and a surge in buyer activity, especially among first-time buyers, the market is proving its resilience.

The key takeaway? This isn't the 2022 frenzy, but it's also not a downturn. It's a market rebalancing, and for those paying attention, it's a sign of potential growth. The opportunity is not just knocking, it's about to open the door to a brighter future in Vermont's real estate market.

Rates Are Falling. Will Buyers Respond?

After hovering stubbornly above 7% for 2024, 30-year mortgage rates have finally dropped to 6.89%, their lowest level since December. The 15-year rate has seen an even sharper decline, now at 6.70%, the weakest since November.

What does this mean? It means that buyers who were previously priced out at 7.5% now have a real chance. With more manageable monthly payments and a return of confidence, the market is becoming increasingly buyer-friendly.

Vermont's Market: Strength in Scarcity

Unlike Sun Belt markets, where home prices have dipped, Vermont remains a seller's market. Here's what the data says:

  • Median Home Price: $435,000, up 9.2% year-over-year
  • Inventory: Down 12%, keeping competition high
  • Days on Market (DOM): Homes are selling in 37 days, down from 52 days last year
  • Price-to-List Ratio: Sellers are still securing 98.5% of their asking price
  • Luxury Market Surge: Sales of $1M+ homes have jumped 18% in the past year

Even as transaction volume lags nationwide, Vermont's appeal remains undeniable. People aren't just moving here—they're staying.

First-Time Buyers Are Driving Demand

One of the most encouraging trends is that first-time homebuyers are making moves. LendingTree reports that 61% of mortgage offers in 2024 went to first-time buyers, a sign that younger buyers are adapting to higher rates and finding ways to enter the market.

Why is this happening? Repeat buyers are sitting tight. Homeowners locked in sub-4% rates don't want to swap them for today's 6.89%. That's keeping inventory tight but also giving newcomers a rare opening.

Where Are We Headed?

With the Federal Reserve likely holding rates steady in March but potentially cutting in May, we could see:

  • A gradual increase in buying activity, especially among first-timers
  • Stronger competition in high-demand areas like Stowe, Burlington, and Montpelier
  • A continued price climb, but at a more moderate pace

Final Take: The Window of Opportunity Is Open—For Now

Vermont's market is shifting, and the smartest buyers are getting ahead of it. If you've been waiting for a sign, this is it. Mortgage rates are down, sellers are motivated, and the spring market is about to heat up.

Don't wait until competition spikes again. Whether you're looking for your first home, a second home, or an investment property, the best deals go to those who act decisively. Call Tony Walton and the team at NELandmark.com today at 802-253-4711—because hesitation is the only thing you can't afford in a market like this.

 

Posted in National Real Estate Trends, Vermont Real Estate Trends
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March 5, 2025

How Vermont's Zoning Laws Keep Housing Expensive and Exclusive

 

By Tony Walton

Zoning Laws Were Designed to Keep Vermont Beautiful—But Are They Making It Unlivable?

1. Vermont's Hidden Housing Barrier

Vermont's housing crisis isn't just about high demand—it's about what we refuse to allow to be built.

Ask any Vermonter why housing costs are skyrocketing, and they'll point to rich out-of-staters, short-term rentals, or slow permitting processes. But the biggest reason housing is unaffordable? Zoning laws that make it nearly impossible to build more homes.

  • Over 70% of Vermont's residential land is zoned for single-family homes only.
  • Large lot requirements (sometimes 1-5 acres per home) make new housing unaffordable before construction even starts.
  • Multi-family housing is effectively banned in many town centers—even where apartments would make sense.

🚨 The result? We've created a system that artificially limits housing supply, protects property values for those who already own homes, and forces everyone else to compete for an increasingly scarce number of houses.

This system doesn't just block new Vermonters—it's pushing out the ones already here.

2. The Real Impact of Vermont's Restrictive Zoning

📍 Case Study: Williston's Killed Apartment Complex

  • In 2023, a 60-unit apartment proposal in Williston was designed to create much-needed rental options for young professionals and families.
  • The location was perfect—near major employers, existing infrastructure, and transit.
  • The town's zoning board delayed approvals for months over concerns about "density" and "traffic impact."
  • The developer walked away, and the project died.

💡 The Reality: These weren't "high-rise apartments" or "big city" housing but modest, practical rentals. If even that can't get approved, what will?

📍 Case Study: Middlebury's $400,000 "Starter Homes"

  • A young couple, working professionals, recently searched for a starter home in Middlebury.
  • Everything they found was $400,000 or more—completely out of reach.
  • The issue? Middlebury's zoning laws require large lots, which drive up land costs before a house is even built.
  • Their solution? Move to New Hampshire, where zoning is less restrictive, and homes are actually affordable.

💡 The Reality: Vermont's zoning laws are not protecting locals—they're pushing them out.

📍 Case Study: Burlington's Battle Over In-Law Apartments (ADUs)

  • In 2021, Burlington debated making it easier for homeowners to build Accessory Dwelling Units (ADUs), such as in-law apartments or backyard cottages.
  • These small units are one of the fastest, easiest ways to add more rental housing without changing the character of neighborhoods.
  • Wealthy homeowners fought back, claiming ADUs would lead to "too much density" and "parking issues."
  • Burlington eventually passed reforms, but only after years of debate and unnecessary delays.

💡 The Reality: The same people who say, "We need more housing," fight every practical solution that would create it.

3. How Vermont's Zoning Laws Keep Housing Expensive & Exclusive

🔹 Single-Family Zoning: The Root of the Problem

  • In most Vermont towns, building duplexes, triplexes, or multi-family housing is illegal—even near town centers.
  • This means only expensive single-family homes get built, artificially limiting supply.

🔹 Huge Minimum Lot Sizes = Bigger Homes, Bigger Prices

  • Many Vermont towns require 1-5 acre lots per home—even in areas that could support more housing.
  • This makes new construction expensive and forces builders to cater to luxury buyers.

🔹 Density Restrictions: The Reason We Don't Have More Apartments & Condos

  • Zoning laws block new apartment developments even in towns that need rental housing.
  • We'd have more affordable options if Vermont allowed more mixed-use, multi-family housing.

🔹 Zoning Favors Second-Home Buyers Over Locals

  • By restricting who can build and what can be built, zoning laws benefit wealthy out-of-state buyers who can afford large homes—while pushing locals out.

4. Who's Protecting These Laws—And Why?

🔹 Local homeowners want to "preserve community character."

🔹 Wealthy second-home owners push for limits to keep prices high.

🔹 Town planning boards fear change and avoid controversy.

🚨 The hard truth? Zoning laws aren't about "preserving Vermont"—they're about keeping Vermont exclusive.

📍 Example: Montpelier's Housing Shortage Post-Flood

  • After the 2023 Montpelier floods, many homes and rental properties were damaged or destroyed.
  • Instead of fast-tracking new housing, zoning laws slowed down reconstruction—forcing many displaced residents to leave town permanently.
  • When Vermont's housing policies are so restrictive that even disaster victims can't rebuild quickly, we have a serious problem.

5. How We Fix It: Smart, Targeted Zoning Reform

✅ End Single-Family Zoning in High-Demand Areas

  • Allow duplexes, triplexes, and townhouses in areas where infrastructure already exists.

✅ Reduce Minimum Lot Sizes

  • Let people build modest homes on smaller lots—instead of requiring 5-acre estates.

✅ Fast-Track Multi-Family Housing Approvals

  • Make it easier for apartments and townhomes to get approved, especially in high-demand areas.

✅ Make Accessory Dwelling Units (ADUs) Easier to Build

  • Stop over-regulating in-law apartments and backyard cottages.

🚀 Take Action: How You Can Help Fix Vermont's Zoning Laws

📢 1. Show Up at Local Zoning Meetings

  • Zoning changes happen at the town level—and opposition groups show up in force. Be the counter-voice.

📝 2. Contact State Lawmakers

  • Vermont needs state-level zoning reform to override restrictive local laws. Tell your reps you support smart zoning changes.

📬 3. Support Pro-Housing Organizations

  • Groups like Capstone Community Action, VHFA, and Champlain Housing Trust are fighting for more housing options.

📣 4. Spread Awareness

  • The more Vermonters understand zoning's impact, the harder it becomes for local officials to ignore. Share this article.

🖊 About the Author

Tony Walton is a Vermont-based real estate professional with deep roots in the community and a passion for keeping the state livable for future generations. Whether you're buying, selling, or just want to talk about Vermont's housing future, reach out at tonywalton@nelandmark.com.

🚨 If we don't fix zoning, Vermont will keep getting more expensive, more exclusive, and less livable for the people who call it home.

Next Week: The Truth About Gentrification—Who Wins, Who Loses, and What We Can Do About It.

Posted in Vermont Housing Crisis, Vermont Real Estate Trends
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March 4, 2025

Appraisal Chaos and Vermont Real Estate: Why Homebuyers and Sellers Should Pay Attention

 

By New England Landmark Realty LTD

The appraisal system is not just broken, it's on the brink of a crisis, and the urgency of this issue cannot be overstated for Vermont homebuyers and sellers.

With the Trump administration gutting the Consumer Financial Protection Bureau (CFPB), federal oversight of Appraisal Management Companies (AMCs) evaporates. This could lead to more opaque fees, fewer qualified appraisers, and longer delays in home valuations. If you're buying or selling in Vermont in 2025, this isn't just an industry squabble—it's a potential financial hit to your deal.

Why This Matters to You

Appraisals determine how much a lender will finance. If an appraisal comes in low, buyers need to cough up more cash or renegotiate. Sellers may be forced to lower their price—or see the deal fall apart entirely. But what happens when the appraisal process is riddled with inefficiencies, hidden costs, and declining quality? Understanding this process is crucial for all parties involved.

Let's break it down.

1. Buyers Are Paying More—And Don't Even Know Why

When you apply for a mortgage, you pay for an appraisal. You may not realize that a big chunk of that fee isn't going to the appraiser who evaluates the property—an AMC is siphoning off.

These middlemen, known as Appraisal Management Companies (AMCs), were originally created to create a firewall between lenders and appraisers after the 2008 crash. However, today, AMCs are pocketing up to 50% of appraisal fees without adding real value. Vermont homebuyers routinely pay $700–$1,000 for appraisals, but the appraiser may only receive half of that.

And here's the kicker: AMCs have fought to keep their cut hidden from consumers. Appraisers pushed the CFPB to require transparency in closing documents, but with the bureau now in limbo, that fight is dead in the water. You, the homebuyer, are left in the dark.

Real-World Example: A buyer in Burlington purchases a $500,000 home. The appraisal fee on their closing statement is $900. Suppose half of that goes to an AMC instead of the appraiser. In that case, the buyer effectively overpays while the actual professional doing the work gets squeezed.

2. Fewer Appraisers, Longer Delays, Slower Deals

Vermont's real estate market already faces appraisal delays—especially in rural areas with fewer professionals. With AMCs suppressing fees, many experienced appraisers are leaving the industry.

Fewer appraisers mean longer wait times. Longer wait times mean frustrated buyers, sellers, and lenders.

Example: A seller in Stowe lists their home for $1.2 million, gets an offer, and is ready to close—except the appraisal takes three weeks to schedule. The buyer, facing a rate lock deadline (a commitment from a lender to guarantee a specific interest rate for a certain period), gets nervous and backs out. The seller is forced to relist, risking price reductions and lost momentum.

In Vermont's resort towns, where luxury homes require specialized valuation expertise, this problem is even worse. A mass-market, AI-driven appraisal approach won't cut it when dealing with historic homes in Woodstock or ski properties in Killington.

3. AI and "Hybrid" Appraisals Could Misprice Your Home

With a shrinking appraiser pool, the industry is pushing for "hybrid" appraisals—where appraisers never set foot on the property and instead rely on automated data and third-party inspections.

Sounds efficient? Here's the problem: Vermont's real estate market is highly nuanced. Zillow's Zestimate might work in a cookie-cutter suburb, but good luck applying an algorithm to a 200-year-old farmhouse with mountain views and an off-grid heating system.

Example: A buyer in Montpelier finds their dream home—a charming colonial on five acres. A hybrid appraisal, relying on outdated comps and AI-generated values, undervalues the property by $50,000. The bank won't approve the loan amount, and the buyer loses the home. Meanwhile, the seller—who knows their home's worth—has to fight an inaccurate valuation or lower their price.

What Needs to Happen?

  • Vermont regulators should step up. If the feds won't force AMCs to disclose fees, Vermont should. Homebuyers deserve transparency.
  • Appraisers need fair pay. If fees keep getting squeezed, we'll see even more talent leave the profession—leading to longer delays and lower-quality valuations.
  • Buyers and sellers must get smarter. Before you accept an appraisal, ask questions. Who did it? Was it a full, in-person appraisal or a hybrid model? And if you think the valuation is off, challenge it.

Bottom Line: Know What You're Paying For

The CFPB's collapse isn't just a regulatory issue—it's a consumer issue. Vermont buyers and sellers are already dealing with low inventory and high prices. The last thing they need is an appraisal system that adds unnecessary costs and delays.

Whether purchasing a starter home in Rutland or selling a ski chalet in Stowe, understanding the shifting landscape of appraisals could save you thousands—or save your deal altogether.

Have questions about how these changes impact your home purchase or sale? Tony Walton and his team at NELandmark.com have their pulse on the market. Contact them at 802-253-4711 for expert guidance.

Posted in Home Buying Tips, National Real Estate Trends, Vermont Real Estate Trends
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March 1, 2025

Where Vermont's Elite Buy to Stay Off the Radar

True Wealth Doesn't Seek Attention—It Avoids It

By New England Landmark Realty LTD

Privacy has become the ultimate status symbol in a world where billionaires are fleeing the spotlight.

The ultra-wealthy don't want to be seen in crowded resort towns or gated mega-communities—they want to disappear into nature, behind long driveways, and beyond public record.

Vermont offers an unparalleled level of exclusivity, catering to the discerning tastes of the ultra-wealthy.

This state has been a sanctuary for centuries for those who value seclusion over spectacle. Vermont's most desirable properties are those you'll never find on the open market, boasting unique features that intrigue even the most discerning buyers, from industrial-age tycoons to today's finance, tech, and entertainment elites.

Where the Ultra-Wealthy Buy to Stay Invisible

🔹 Stowe: Private Mountain Retreats

  • Gated ski estates with direct mountain access and private heliports.
  • Hidden among thousands of acres of national forest, buffered from neighbors and prying eyes.
  • Who's buying? Tech moguls, investment bankers, and old-money heirs looking for ski escapes without public visibility.

🔹 Woodstock: Legacy Seclusion

  • Expansive farm and equestrian estates with hundreds of acres of private land.
  • Historic homes that don't show up in MLS records—they trade hands through private legal channels.
  • Who's buying? Buyers who want a generational property that remains within the family for decades.

🔹 The Champlain Islands: Off-the-Grid Waterfront Estates

  • Lakefront mansions with private docks, boat-only access, and zero public visibility.
  • Solar-powered and self-sustaining compounds for those looking to unplug fully.
  • Who's buying? Entrepreneurs, hedge fund managers, and those preparing for a future where true self-sufficiency is wealth.

🔹 Greensboro & Northeast Kingdom: Ultra-Secluded, Zero Neighbors

  • 100-acre-plus compounds miles from the nearest town, built for absolute solitude.
  • Private airstrips, custom security systems, and concierge services are brought to your doorstep.
  • Who's buying? The hyper-private elite—billionaires, celebrities, and those who value invisibility over networking.

The New Standard: What Vermont's Ultra-Private Buyers Demand

Today's elite don't just want big houses—they want fortresses of solitude. Here's what sells:

✅ Long, gated driveways—so visitors are detected miles in advance

✅ Heliports and private airstrips—because commercial airports attract too much attention

✅ Homes built into natural landscapes—completely hidden from public roads

✅ Self-sustaining infrastructure—solar, geothermal, and off-grid capabilities

✅ Invisible transactions—properties sold through LLCs and private trusts

How Vermont's Most Exclusive Properties Sell in Total Silence

If you're waiting for a listing, you're already too late.

🔹 A $12M Stowe ski estate sold privately, off-market, before the seller even considered public listing.

🔹 A 200-acre Woodstock retreat was acquired via a direct broker-to-buyer connection, never touching the MLS.

🔹 A lakefront compound in the Champlain Islands changed hands through a legal trust, with no public record of the sale.

The ultra-wealthy don't browse Zillow. They buy through trusted relationships, ensuring a secure and discreet buying process.

Our team specializes in navigating these unique transactions, ensuring that every step is legal, transparent, and in your best interest. Your Move: Getting Ahead of the Market Before the Public Even KnowsIf privacy is your priority, we can access Vermont's exclusive, off-market properties.

📩 Let's talk. These estates won't show up online. They trade hands quietly—and only through the proper channels.

📞 Tony Walton | NELandmark.com | 802-253-4711

Posted in Luxury and Vacation Homes
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