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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.

Feb. 18, 2025

Ski-In, Fly-In, Cash-In: The Vermont Resort Properties That Appreciate Like Fine Wine

 

The Smartest Investment in Luxury Real Estate? A Vermont Resort Home.

By New England Landmark Realty LTD

Some luxury properties are just places to escape. Others pay for themselves, appreciate, and become generational assets.

Vermont’s exclusive resort properties—ski-in/ski-out chalets, lakefront lodges, and private mountain retreats—are among the most sought-after luxury investments in 2025.

Why? Unlike speculative markets, Vermont’s high-end resort real estate has built-in demand—from elite vacationers, private club members, and those looking for exclusivity with rental upside.

Why Vermont Resort Homes Are Surging in Value

🔹 Scarcity Creates Demand – Limited actual ski-in/ski-out estates and private lakefront retreats exist. Once they’re gone, they’re gone.

🔹 Short-Term Rental Boom – Vermont’s high-end properties command record nightly rates, turning second homes into investment-grade assets.

🔹 Private Aviation Access – More buyers are flying directly to their ski chalets and lake homes, bypassing commercial airports entirely.

🔹 Year-Round Profitability – Unlike other ski markets, Vermont resort homes offer a steady income in all four seasons—skiing in winter, hiking, and lake life in summer, providing a secure and reliable return on investment.

Where Smart Money Is Buying Vermont’s Resort Homes

1. Stowe: The Ultimate Ski Investment

  • Home to Vermont’s most elite ski properties, Stowe offers private slopeside estates with direct gondola access.
  • Nightly rental rates for luxury ski homes have surged, creating six-figure annual income potential.
  • Who’s buying? Investors, family offices, and high-net-worth individuals hedging against inflation with appreciating assets.

2. Killington: The Under-the-Radar Play

  • Vermont’s largest ski resort attracts buyers with high rental yield potential in a still-undervalued market.
  • New development projects and private club expansions are set to drive values higher.
  • Who’s buying? Early-stage investors looking to secure premier properties before the next price jump.

3. Stratton & Okemo: Private Ski Clubs & Gated Luxury

  • High-net-worth skiers are paying a premium for privacy, snapping up estates near exclusive members-only ski clubs.
  • Properties come with concierge services, private lifts, and fully managed rental programs.
  • Who’s buying? Buyers who want ski access without the crowds—and the ability to generate passive income when not in use.

4. Lake Champlain & Basin Harbor: The Summer Investment

  • Waterfront estates rent for premium prices all summer long, making them some of the highest-yielding resort properties in Vermont.
  • New luxury marina developments and private club expansions are driving demand even higher.
  • Who’s buying? Investors and families are looking for lakefront properties that appreciate over time.

The Numbers Don’t Lie: Why Resort Homes Are Outpacing Traditional Real Estate

🔹 Ski-in/Ski-out homes in Stowe appreciated 18% year-over-year.

🔹 Lakefront properties in Champlain saw an average price jump of 21% in the last 3 years.

🔹 Killington’s high-end market grew by 15%, fueled by increased rental demand.

The takeaway? Luxury Vermont resort homes aren’t just vacation retreats—they appreciate assets.

The Off-Market Advantage: Why These Homes Sell Before You See Them, giving a select few the opportunity to secure these exclusive properties before they hit the public market.🔹 A $9.5M slopeside estate in Stowe was sold via private transaction before the listing went live.

🔹 A 7,000 sq. ft. lakefront home on Champlain was acquired through a private network deal, never publicly listed.

🔹 A Stratton ski-in/ski-out lodge was secured purely on insider access before construction.

You're already too late if you’re waiting for a public listing.

Your Move: How to Lock in a Vermont Resort Property Before the Market Shifts Again

The best Vermont resort homes aren’t sitting on the market. They’re being secured quietly through private networks and exclusive deals.

📩 Let’s talk. My team specializes in finding high-value, off-market Vermont resort properties before they disappear.

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

Posted in Home Buying Tips, Luxury and Vacation Homes
no comments yet
Feb. 16, 2025

Privacy Is the New Luxury: Where Vermont's Elite Buy to Stay Off the Radar

The New Status Symbol: Silence, Space & Seclusion

By New England Landmark Realty LTD

The wealthy don't just want luxury—they want to disappear when they choose. True affluence isn't measured in square footage alone but in how well a home protects its owner's privacy.

Vermont has emerged as a compelling alternative to Aspen, the Hamptons, and Jackson Hole, offering elite buyers something more precious than luxury: exclusivity. The allure of Vermont's luxury properties lies in their unique selling points, such as their secluded locations and the promise of a lifestyle that values privacy and space.

Unlike the bustling resort towns where anonymity is a luxury, Vermont's premier properties are nestled in dense forests, along private lakefronts, or atop secluded mountaintops. The ultra-wealthy are investing in these properties for the premium they offer in terms of space, discretion, and a level of seclusion that mainstream luxury markets can't match.

Where the Wealthy Buy to Disappear

Not all luxury real estate is created equal. If you're looking for true exclusivity in Vermont, these are the areas attracting elite buyers:

1. Stowe: The Aspen Alternative

🏔 Why Buy Here? Secluded mountain estates, ski-in/ski-out luxury homes, and proximity to Stowe Mountain Resort.

🚁 Privacy Perks: Many estates feature gated entrances, long driveways, and helicopter access.

💡 Who Buys Here? Those who want world-class skiing, fine dining, and boutique shopping prefer quiet retreats over socialite scenes.

2. Woodstock: Historic Estates & Legacy Homes

Woodstock, on the other hand, is known for its classic Vermont charm, rolling farmland, and generational estates that rarely hit the open market. These properties often boast large-acreage, private riverfront access, and historic architecture dating back 200+ years, making them a unique and prestigious investment.

🏡 Privacy Perks: Large-acreage properties with private riverfront access and historic architecture dating back 200+ years.

💡 Who Buys Here? Buyers who appreciate heritage, prestige, and an understated social scene among other high-net-worth families.

3. Lake Champlain: Waterfront Without the Crowds

🌊 Why Buy Here? Exclusive lakefront compounds, private docks, and some of Vermont's most stunning views.

🚤 Privacy Perks: Gated estates with boathouses, secluded beaches, and deepwater docks.

💡 Who Buys Here? Those who want a private waterfront estate that rivals anything in the Hamptons—but without the tourists.

What the Ultra-Wealthy Expect in a Vermont Estate

The most sought-after properties go beyond traditional luxury. Here's what genuinely high-net-worth buyers demand:

✅ Gated Entrances & Long Driveways – No surprise guests. No unwanted attention.

✅ High-Security Features – Smart surveillance, private guards, and entire estate monitoring.

✅ Helipad or Private Airstrip Access – Because driving is optional at this level.

✅ Expansive Acreage – More land, fewer neighbors. Many estates offer 100+ acres for complete seclusion.

✅ Hidden Locations – Off-market listings with zero digital footprint. These homes aren't found on Zillow.

Why Vermont? Why Now?

Luxury buyers are moving away from high-profile real estate hubs and into areas where they can enjoy exclusivity and investment security. Vermont is gaining ground for three major reasons:

🔹 A Low-Density Luxury Market – Less competition, more unique properties, and a true sense of escape.

🔹 Strong Real Estate Values – High-end Vermont homes are appreciating faster than expected, driven by demand.

🔹 A Lifestyle That Can't Be Replicated – Vermont offers exclusivity that major luxury hubs can no longer guarantee, from private skiing to lakeside retreats.

How to Find Vermont's Most Exclusive Homes

The best luxury properties in Vermont aren't on the market. They're traded privately through trusted real estate professionals who understand true discretion, ensuring you have access to the most exclusive listings that are not publicly advertised.

That's where we come in.

🏡 Looking for an ultra-private Vermont estate? Many of our most exclusive listings are never publicly advertised.

📩 Contact us for private access to off-market luxury homes that fit your lifestyle.

📞 Call Tony Walton and the Landmark Team at 802-253-4711

🌐 Visit NELandmark.com for private luxury listings.

Posted in Luxury and Vacation Homes
no comments yet
Feb. 15, 2025

No Housing Crash for Vermont: A Valentine’s Day Reality Check

By New England Landmark Realty LTD

Happy Valentine’s Day, Vermont! While some folks are still waiting for a 2008-style housing crash to swoop in and reset the market, the latest Household Debt and Credit Report from the Federal Reserve Bank of New York delivers a different message that many Vermont homeowners will love.

The reality? A housing market crash isn’t in the cards. Homeowners across America, especially in Vermont, are in a strong financial position, backed by record home equity levels, steady home values, and low foreclosure rates. So, if you were hoping for a housing market shake-up, you might be waiting a while.

Vermont’s Market Isn’t Built to Collapse

Let’s rewind to the housing bubble years. From 2002 to 2005, the market was driven by reckless lending, not strong financial fundamentals. Credit was cheap, and mortgage standards were loose—setting the stage for disaster. By 2008, the crash hit, and Vermont, like the rest of the country, felt the pain.

But today’s market? Completely different story.

  • Foreclosures and bankruptcies remain low—Vermont homeowners are holding steady, with no signs of a pre-crash spike in distress sales.
  • The mortgage market is smarter—Unlike the wild west of subprime lending before 2008, today’s loans are tightly regulated under qualified mortgage (QM) laws. Borrowers actually have to prove they can afford their homes. What a concept!
  • Vermont’s housing market is supply-constrained—Low inventory has kept home prices from plummeting, even in the face of rising mortgage rates.

The Power of Smart Borrowing in Vermont

Unlike the rest of the world, the 30-year fixed mortgage, a type of loan that offers a fixed interest rate and a long repayment period, is a staple of the American dream—and Vermont homeowners are benefiting. Remember the chaos of adjustable-rate mortgages (ARMs) in the early 2000s? Those time bombs are mostly gone, replaced by predictable, stable, fixed-rate loans.

The result? Vermont homeowners aren’t feeling the squeeze. Even as mortgage rates climbed in 2023-2024, most homeowners locked in historically low rates before the spike. And for those still looking to buy, wages in Vermont have steadily increased, helping to offset affordability concerns.

Home Equity: Vermont’s Secret Weapon

In 2010, more than 23% of U.S. homes were underwater, meaning homeowners owed more than their homes were worth. Fast-forward to today, and that number has plummeted to 1.8%—an all-time low.

In Vermont, home equity is even more impressive.

  • 40% of homes in the state are mortgage-free—meaning nearly half of homeowners don’t even have a loan to worry about.
  • Vermont homeowners aren’t overleveraged—loan-to-value (LTV) ratios have dropped to 46.6% nationally, meaning most homeowners have substantial equity to fall back on.

This isn’t 2008. Back then, the average LTV was a staggering 85%, making homeowners vulnerable to price drops. Today? Vermont homeowners are in control.

So, Where’s the Crash? It’s Not Coming.

Vermont’s real estate market has fundamentally changed since the crash.

  • Foreclosures are rare.
  • Borrowers are financially strong.
  • Home equity is at record highs.
  • Demand is steady, while inventory remains tight.

The so-called “Housing Crash Bros” have been predicting a meltdown since 2012—but the numbers tell a different story. If you’re waiting for Vermont home prices to collapse, you might be waiting forever.

So, on this Valentine’s Day, whether you’re cozying up in your Green Mountain home or considering a move, the market is in your favor. Homeowners are winning, and Vermont real estate remains one of the safest bets in the country.

Looking to Buy or Sell? Let’s Talk.

If you want to understand how Vermont’s market can work for you, contact Tony Walton and the NELandmark.com team at 802-253-4711. With deep local expertise and a commitment to personal service, we help buyers and sellers make the most of today’s market

Posted in Vermont Real Estate Trends
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Feb. 15, 2025

Unlocking Profits in Vermont’s Vacation Rental Market: A Guide to Thriving in the Green Mountain State

 

By Shola Abraham

I have been actively involved in the short-term rental market since 2014, experiencing both its rapid rise and the challenging period when COVID-19 restrictions nearly brought the industry to a halt. Despite these fluctuations, short-term rentals remain a highly profitable opportunity for homeowners and investors. Thanks to platforms like Airbnb and Vrbo, listing and managing properties has never been more accessible. However, building a successful and sustainable short-term rental business requires strategic planning and execution. This guide will outline the key steps to help you launch and grow a thriving venture in this ever-evolving market.

 

1. Market Research and Property Selection

● Analyze the Market: Research your local market to understand demand, occupancy rates, and average daily rates for short-term rentals. Identify popular neighborhoods and attractions that draw visitors.

A few favorites:

○ Stowe: Breathtaking mountain views and world-class skiing.

○ Woodstock : A quintessential New England charm with historic appeal.

○ Burlington : A vibrant city with concerts, incredible food, and rich cultural attractions.

○ Manchester : A picturesque town known for its scenic beauty and upscale shopping.

○ Jay Peak : A paradise for extreme sports enthusiasts.

○ Montpelier : The nation’s smallest capital, featuring a gold-domed Greek Revival building and fine art collections.

● Choose the Right Property: Select a property that aligns with your budget and target market. Consider factors like location, size, amenities, and potential for rental income.

 

2. Legal and Regulatory Compliance

● Zoning and Permits: Check local zoning ordinances and obtain any necessary permits or licenses for short-term rentals.

● Taxes: Understand your tax obligations, including income tax, occupancy tax, and sales tax.

● Insurance: Obtain appropriate insurance coverage for your short-term rental property.

 

3. Property Preparation and Furnishing

● Clean and Repair: Ensure the property is thoroughly cleaned and consider upgrading the kitchen and bathrooms for improved appeal. Keep the driveway free of debris and promptly repair any cracks. Enhance curb appeal by planting seasonal flowers and foliage.

● Furnish and Decorate: Furnish the property with cozy and stylish furniture and decor that resonates with your target market. Prioritize comfort, as guests will appreciate a relaxing environment after a day of exploration.

● Amenities: Provide essential amenities like Wi-Fi, linens, towels, and toiletries. Consider adding extra amenities like a coffee maker, smart TV, or outdoor space to enhance the guest experience.

 

4. Pricing and Listing

● Set Competitive Rates: Analyze comparable properties in your area to determine competitive rental rates, factoring in seasonality, demand, and local events.

Continuously adjust your pricing strategy based on market trends and occupancy levels to maximize profitability.

● Create a Compelling Listing: Write a detailed and engaging listing that highlights the property's features, amenities, and location. Use high-quality photos and videos to showcase the space.

● Choose the Right Platform: List your property on top short-term rental platforms like Airbnb and Vrbo. Start by expanding across multiple platforms to maximize visibility, then refine your focus based on performance. Property management software can help streamline bookings and communication for a smoother operation.

 

5. Guest Communication and Management

● Prompt and Professional Communication: Respond to guest inquiries and booking requests promptly and professionally.

● Check-In and Check-Out: Provide clear instructions for check-in and check-out, including key access and property rules.

● Guest Support: Be available to address guest concerns and provide assistance during their stay.

 

6. Marketing and Promotion

● Social Media: Use social media platforms to promote your property and engage with

potential guests.

● Professional Photos: Invest in professional photos to showcase your property in the best light.

● Reviews: Encourage reviews however you can—every 5-star rating makes a big impact!

⭐⭐⭐⭐⭐

● Online Travel Agencies: List your property on online travel agencies (OTAs) to reach a wider audience.

 

7. Property Maintenance and Cleaning

● Regular Maintenance: Schedule regular maintenance and repairs to keep the property in top condition.

● Professional Cleaning: Hire a professional cleaning service to ensure the property is spotless between guests.

● Track Income and Expenses: Keep accurate records of your rental income and expenses.

● Budget for Expenses: Budget for ongoing expenses like utilities, insurance, property management fees, etc.

Conclusion

Building a successful short-term rental business takes commitment, effort, and a keen eye for detail. You can create a profitable and rewarding venture by following these essential steps and staying adaptable in a dynamic market. One of your most valuable assets is your cleaning team—establish a strong relationship with a reliable, preferably up-and-coming service to ensure your property remains a top priority.

 

About the Author: Shola Abraham

Shola Abraham is a seasoned expert in the short-term rental (STR) industry, with over a decade of experience in property management, market strategy, and operations. From managing high-rise condominium portfolios to overseeing STR properties in major markets like San Diego and Portland, Shola has developed a deep understanding of what makes vacation rentals successful. Currently, she specializes in helping buyers identify high-performing rental properties that maximize income potential in and around Central Vermont.

 

Your Next Move Starts Here

Are you thinking about investing in a Vermont vacation rental? Whether new to STRs or looking to scale, having an expert in your corner can make all the difference. Shola knows this market inside and out and can help you navigate every step—from selecting the right property to optimizing profitability.

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

📩 Email: SholaAbraham@NELandmark.com

🔑🏡 Your Vermont STR success story starts now!

Posted in Development and Investment, Home Buying Tips, Luxury and Vacation Homes, Vermont Real Estate Trends
no comments yet
Feb. 13, 2025

How Tariffs Could Reshape Vermont's Housing Market

 

By Trish Sawyer

In Vermont, where every season brings unique real estate challenges—icy driveways in winter, mud-season delays in spring, and high demand in summer—home buyers and sellers already have plenty to navigate. But now, a new factor could shake things up: rising tariffs on key building materials.

Vermont’s real estate market isn’t like New York or Boston. We’re a small state, deeply connected to Canadian trade, with a slower-moving housing market and an economy built around local businesses, tourism, and second-home buyers. If tariffs on Canadian lumber, steel, and building materials continue to rise, Vermont may feel the impact more acutely than larger markets.

Vermont’s Dependence on Canadian Imports

Unlike other states, Vermont’s construction industry relies heavily on materials from Canada. The proposed 25% tariff on Canadian imports directly affects:

✅ Softwood Lumber: Canada supplies about 30% of U.S. softwood lumber, used in framing homes and renovations. With Vermont’s limited housing inventory, the rising costs could discourage new development, tightening the already competitive market.

✅ Gypsum (Drywall): A large percentage of drywall used in U.S. homes comes from Canada. With these new tariffs, buyers looking at new construction or renovations could see costs spike.

✅ Steel & Aluminum: While not as commonly sourced from Canada, Vermont builders still rely on Canadian suppliers for key materials like nails, beams, and fasteners.

What This Means for Vermont Buyers & Sellers

Vermont’s housing market moves differently than big cities. While other markets experience sharp drops in affordability due to rising costs, Vermont’s limited housing supply means buyers and sellers must adjust their strategies wisely.

If You’re Buying a Home in Vermont

🔹 Mortgage Rates Could Rise: Tariff-driven inflation could lead to higher interest rates, making home loans more expensive.

🔹 Less Competition = Opportunity: If rates rise, some buyers will exit the market, giving remaining buyers more negotiating power. Buying now and refinancing later could be a winning strategy.

🔹 Sellers Are Still in Control—For Now: Vermont inventory remains tight, so well-priced homes continue to sell fast.

➡️ Pro Tip: I recently worked with buyers who were up against multiple offers. Their bid wasn’t the highest, but I knew how to make their offer stand out in a way that resonated with the sellers. They landed their dream home—without overpaying.

If You’re Selling a Home in Vermont

🔹 New Homes Will Cost More to Build: Rising construction costs mean that existing homes could become even more valuable compared to new builds.

🔹 Buyers May Be More Price-Sensitive: With interest rates possibly climbing, overpricing your home could backfire.

🔹 Inventory is Still Low: Vermont is still a seller’s market, meaning new listings will attract buyers quickly—especially well-prepared ones.

➡️ Pro Tip: If you’re thinking about selling, now is the time to act before rates go up and buyer demand shifts. A well-priced home will draw serious buyers quickly in Vermont’s tight market.

If You’re a Homeowner or Investor

🔹 Plan Renovations Wisely: Rising material costs mean renovating may become more expensive. Consider energy-efficient updates or cosmetic refreshes that don’t require heavy construction.

🔹 Supply Chain Issues Could Delay Projects: If you’re working with contractors, order materials sooner rather than later to avoid delays.

What’s Next for Vermont’s Real Estate Market?

Despite economic uncertainty, Vermont real estate remains strong. Demand is high, and Vermont continues to attract buyers looking for a lifestyle shift. However, tariffs could make it harder to build and renovate—making smart buying and selling decisions even more important.

Want to discuss how these shifts might impact your real estate plans? Let’s chat. Whether you're buying, selling, or just strategizing, I’d love to help you navigate Vermont’s changing market.

📩 Email me at trishsawyer@nelandmark.com or call me at 802-233-0554.

About the Author: Trish Sawyer, Vermont Real Estate Expert

Trish Sawyer is a Central Vermont real estate specialist with deep local knowledge, a strategic mindset, and a passion for helping clients make informed real estate decisions. Whether navigating the nuances of Vermont’s unique market or crafting winning strategies for buyers and sellers, Trish is dedicated to ensuring a seamless and successful experience.

🏡 Thinking about buying or selling? Let’s create a plan that works for you. Reach out today to start the conversation!

📞 802-233-0554
📩 trishsawyer@nelandmark.com

Posted in National Real Estate Trends, Vermont Real Estate Trends
no comments yet
Feb. 11, 2025

Stowe, Vermont: The Best-Kept Secret in Luxury Ski Real Estate

 

By Trish Sawyer

As a seasoned real estate professional specializing in Central Vermont, I've often pondered why more discerning buyers haven't discovered the exceptional value that Stowe offers. Nestled in the heart of the Green Mountains, Stowe combines world-class skiing with quintessential New England charm, all at a price point that savvy investors will find hard to resist.

A Comparative Market Analysis

Let's talk numbers. According to recent data, the median home value in Stowe stands at approximately $953,340. While this figure may seem substantial, it's a relative bargain when compared to other premier ski destinations. For instance, Aspen, Colorado, boasts a staggering median home value of $3.4 million, and Mountain Village isn't far behind at $2.3 million. You may be thinking, Stowe is no Aspen! You're absolutely right—Stowe isn’t Aspen. And that’s exactly the point. Aspen comes with sky-high home prices, crowds that make lift lines feel like TSA security, and a level of glitz that can sometimes overshadow the actual skiing. Stowe, on the other hand, offers world-class terrain, a charming New England aesthetic, and a more relaxed, authentic luxury experience—all at a fraction of the cost.

Think of it this way: Aspen is like a designer handbag with a price tag that makes you question your life choices. Stowe is the impeccably crafted, timeless leather piece that costs less but never goes out of style. Both are luxurious, but one offers better long-term value.

For discerning buyers who prioritize exclusivity, outdoor adventure, and investment potential, Stowe isn’t just an alternative to Aspen—it’s the smarter choice.homestratosphere.com

 

The Allure of Stowe

So, what makes Stowe such a hidden gem? Beyond its competitive pricing, Stowe offers a blend of amenities that cater to the luxury lifestyle. From upscale dining and boutique shopping to state-of-the-art spa facilities, Stowe provides a comprehensive resort experience without the exorbitant price tag.

Investment Potential

The real estate market in Stowe is not just about current value; it's about future potential. With the increasing popularity of remote work and a growing appreciation for year-round recreational activities, properties in Stowe are poised for significant appreciation. Investing in Stowe now is akin to getting in on the ground floor of a burgeoning market.

In the world of luxury real estate, finding a luxury ski home that offers both prestige and value is like spotting a yeti in a tailored cashmere coat—rare, but not impossible. And in Stowe, that yeti not only exists but also enjoys a perfectly crafted Old Fashioned by the fire after a day on the slopes.

Conclusion

For those seeking an astute investment in luxury ski real estate, Stowe, Vermont, presents an unparalleled opportunity. With its combination of competitive pricing, upscale amenities, and promising market trajectory, Stowe stands out as a premier destination for discerning buyers.

Note: All statistical data is sourced from reputable real estate market analyses to ensure accuracy and reliability.

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 valleys of Waitsfield, 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 new retreat.

Let’s Find Your Dream Vermont Home

Your second home should be more than just a getaway—it should be a legacy, a place where family and friends gather, where memories are made, and where you can truly escape.

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

Posted in Home Buying Tips, Luxury and Vacation Homes, Vermont Real Estate Trends
no comments yet
Feb. 7, 2025

Vermont: A Climate Haven in a Real Estate Market on Fire

 

By New England Landmark Realty LTD

The U.S. real estate market is in flux. Climate change is no longer an abstract threat—it's a financial wrecking ball. Rising insurance costs, property devaluation, and mass migration reshape the nation's economic geography. And yet, while coastal states and Sun Belt hotspots bear the brunt, Vermont may emerge as one of the safest bets in real estate.

The $1.5 Trillion Wake-Up Call

A new report from climate risk data provider First Street estimates that climate risks will strip $1.47 trillion from U.S. real estate values over the next 30 years. The biggest losers? High-risk states like Florida, Texas, and California, where wildfires, hurricanes, and flooding turn entire communities into financial liabilities. Insurance premiums are expected to spike nearly 30% by 2055, forcing millions to rethink where they live.

The flip side? Climate-resilient states—think Vermont, the Dakotas, and Montana—are poised to gain. Fewer wildfires, less flooding, and moderate temperatures mean Vermont is increasingly attractive to homeowners fleeing climate chaos.

Vermont: The New Safe Haven for Homebuyers?

Vermont has always been known for its scenic beauty, thriving local communities, and outdoor lifestyle. But now, it has something else going for it: climate resilience. This term refers to the ability of a region to withstand and recover from the impacts of climate change, such as extreme weather events and rising sea levels, without significant disruption to its economy or quality of life.

  • Low Climate Risk: Vermont faces minimal catastrophic weather events, unlike California's wildfires or Florida's hurricanes.
  • Stable Insurance Costs: Insurance rates remain far more predictable with fewer disasters than in high-risk states.

Booming Migration: Remote work and climate concerns have driven thousands to Vermont. This influx of new residents is from high-risk states and urban areas seeking a more peaceful and nature-oriented lifestyle. First Street predicts that 55 million Americans will relocate in the next three decades, and Vermont is primed to benefit from this trend. A seasoned Vermont real estate expert, Tony Walton, is already seeing the shift. "Buyers from high-risk states are prioritizing safety. They want a home where they don't have to worry about the next big flood or wildfire. Vermont checks all the boxes," Walton explains.

Market Trends: What's Happening on the Ground?

1. Home Prices Are Holding Strong

While some markets are bracing for climate-driven devaluation, Vermont's property values are resilient. The median home price in Vermont rose 6.7% in 2024, outpacing the national average and providing potential homebuyers a sense of stability and confidence.

2. Demand Outpacing Supply

Inventory remains tight. Competition is heating up, with more out-of-state buyers eyeing Vermont as a haven investment. The average home in Chittenden County now sells in under 30 days—a sharp contrast to slower-moving markets elsewhere.

3. Insurance Stability Is a Selling Point

With insurance premiums rising dramatically nationwide, Vermont's relative stability is a game-changer. Some Florida homeowners now pay over $10,000 a year for coverage—Vermonters, in contrast, average just $1,200 annually.

What Comes Next?

As climate change forces Americans to rethink where they live, Vermont stands at a unique crossroads. Will policymakers capitalize on this opportunity? Can Vermont balance an influx of new residents while preserving its rural charm and affordability?

One thing is certain—the future of real estate isn't just about square footage and school districts anymore. It's about survival.

Want to explore Vermont's market before prices rise further? Tony Walton and his team at NELandmark.com are ready to help. Call 802-253-4711 to find your climate-safe investment today.

Posted in National Real Estate Trends, Vermont Real Estate Trends, Waterbury Real Estate
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Feb. 6, 2025

Vermont Real Estate: The Fed’s Rate Pause and What It Means for Buyers and Sellers

 

By New England Landmark Realty LTD

The Federal Reserve’s decision to hold interest rates steady at 4.25% to 4.5% wasn’t a shocker. The economy is still hot, and inflation remains slightly above the Fed’s 2% target. While some hoped for faster rate cuts, that’s not happening—at least not until mid-2025. But here’s the real question: What does this mean for Vermont’s real estate market? The rate pause implies that mortgage rates are not likely to decrease significantly in the near future, which could affect both buyers and sellers in the state.

Mortgage Rates Aren’t Cooperating

Even with the Fed lowering rates by 100 basis points (bps) since September, mortgage rates haven’t followed suit. Instead, they’ve climbed from 6.31% to 7.12% since the first cut. Why? Because mortgage rates move with Treasury yields, not just the Fed’s rate cuts. In Vermont, where affordability has already been stretched thin, homebuyers are facing some of the highest borrowing costs in recent memory.

Key takeaway: Until Treasury yields ease and mortgage spreads tighten, rates below 6% are unlikely to occur anytime soon.

Vermont’s Market: High Prices, Low Inventory-A Challenging Landscape. If you’re looking for a home in Stowe, Burlington, or Woodstock, you already know the inventory is tight. The Fed’s decision doesn’t change that. The state’s housing stock remains low, with sellers hesitant to give up their 3% pandemic-era mortgage rates in favor of today’s 7%+ loans.

Meanwhile, new construction has been Vermont’s saving grace, keeping the housing market moving while resales slow. Builders in Chittenden and Washington counties have been offering rate buydowns—essentially subsidizing lower mortgage rates—to entice buyers. These rate buydowns involve the builder paying a lump sum to the lender, which in turn reduces the buyer’s monthly mortgage payments. This is one of the best deals in this market, especially for those who plan to stay in their homes for a long time.

Vermont’s Biggest Challenge: Affordability

With wages lagging behind home price appreciation, affordability is at an all-time low. The median home price in Vermont is hovering around $420,000, but the real story is in specific markets:

  • Burlington: Median prices are up 6.2% year-over-year, exceeding $550,000 in many neighborhoods.
  • Stowe and the Mad River Valley: Luxury homes are still selling, but buyer demand is shifting to smaller properties as high interest rates make financing a second home more challenging.
  • Southern Vermont (Brattleboro, Manchester, Dover): A mix of retirees and second-home buyers has kept prices stable, but sales volume is down.

The Wild Card: Trump’s Policy Moves

One potential shift? Trump’s Treasury Secretary, Scott Bessent, is floating the idea of having Fannie Mae and Freddie Mac buy more mortgage-backed securities. If that happens, we could see narrower mortgage spreads and lower rates—a game-changer for Vermont’s real estate market. This could potentially make homeownership more affordable and stimulate the housing market. For now, though, expect more of the same: high borrowing costs and a slow housing market.

The Bottom Line: What Should You Do?

🔹 If You’re a Buyer: Consider new construction—builders offer incentives that make financing more attractive. Rate buydowns can save you thousands over the life of your loan.

🔹 If you’re a Seller, aggressive Pricing is key. Homes priced right are still selling, but overpricing in this market means sitting on the market longer and getting lowball offers.

🔹 If You’re an Investor: Keep an eye on multifamily properties. Rents remain strong, and high rates keep more people in the rental market.

The Fed may pause, but Vermont’s real estate market isn’t. Do you want a game plan for buying or selling in this environment? Tony Walton and the team at NELandmark.com are here to help—call 802-253-4711 today.

Posted in Home Buying Tips, Home Selling Tips, Vermont Real Estate Trends
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Feb. 5, 2025

Vermont’s Housing Market Is Already Struggling—Tariffs Will Make It Worse

 

By New England Landmark Realty LTD

Let’s be clear: Vermont’s housing market doesn’t need more obstacles. We’re already dealing with high mortgage rates, tight inventory, and affordability concerns. Now, Washington wants to throw tariffs into the mix, a policy move that will only make buying and building homes more expensive.

The Trump administration’s 25% tariffs on Canadian and Mexican imports will hammer the construction industry, drive up costs, and stall homebuilding at the worst possible time. Vermont homebuyers, already stretched thin by high borrowing costs, will face an even steeper climb. For instance, first-time homebuyers will find it increasingly difficult to enter the market, and those looking to upgrade or downsize will face higher costs and limited options.

This is not what a fragile housing market needs.

Tariffs = Higher Costs, Slower Construction, Fewer Homes

The National Association of Home Builders (NAHB) isn’t mincing words. They’ve warned the administration that new tariffs will hurt homebuyers by driving up material costs. It’s not speculation—it’s history.

🔺 In 2018, tariffs on Canadian lumber caused prices to jump nearly 80%, adding an estimated $9,000 to the cost of building a single-family home. This means that a home that would have cost $ 250,000 to build in 2017, now costs $ 259,000 in 2018 due to the tariffs.

🔺 Since 2021, residential construction costs have risen 30% due to supply chain disruptions, labor shortages, and inflation.

🔺 Roughly 25% of U.S. building materials come from Canada and Mexico, and raising prices on these imports will send costs soaring.

Vermont desperately needs more housing. The state’s short supply of homes has kept prices high, shutting out many local buyers. Builders are already struggling to keep up. Higher material costs mean fewer homes get built, which means higher prices for the ones that do.

This policy move isn’t just bad—it’s reckless.

Housing Affordability Is Already in Crisis—Tariffs Will Make It Worse

The housing market doesn’t operate in a vacuum. Interest rates, supply chain issues, and government policies all play a role. Vermont’s market is strained, and tariffs will only make homeownership more expensive.

📉 Mortgage rates remain high—around 7%, compared to 3-4% just a few years ago.

🏠 Housing inventory is still low despite a modest increase in listings over the past year.

💰 New construction is Vermont’s best chance at adding affordable housing, but rising material costs will slow it down.

Every additional dollar in home costs, whether from higher mortgage rates or increased construction expenses, shrinks the pool of buyers who can afford to enter the market. In a state where housing affordability is challenging, these tariffs worsen a terrible situation.

Questionable Economic Strategy in a Fragile Market

Tariffs are being pitched as a tough-on-trade strategy, but they function as a hidden tax on American consumers. The Tax Foundation estimates that these tariffs will:

💸 Raise taxes on U.S. households by $830 per year

📉 Shrink GDP by 0.4%

🛠️ Cut 344,000 jobs

These aren’t abstract numbers—they represent real economic pain. Vermont’s economy, largely driven by small businesses, tourism, and local industry, isn’t built to absorb unnecessary price hikes. And let’s not forget that Canada and Mexico will retaliate—meaning American exports will take a hit, too.

The Trump administration’s economic advisors acknowledge this is not a long-term trade strategy but a negotiation tactic. In other words, Vermont homebuyers are collateral damage in a political game.

What Should Vermont Buyers, Sellers, and Builders Do Now?

Vermont’s real estate market is about to get even more unpredictable. Timing and strategy will be critical if you’re thinking about buying, selling, or building.

🏡 BUYERS: Lock in mortgage rates when they dip. Due to rising material costs, be prepared for potential price hikes on new construction homes.

📈 SELLERS: Low inventory still favors sellers, but watch market conditions closely—higher costs could dampen buyer demand.

🔨 BUILDERS & INVESTORS: If tariffs go into full effect, expect supply chain disruptions and rising costs. Builders should anticipate delays and budget for price swings.

A temporary one-month pause on tariffs with Canada and Mexico is in place for now. But that’s exactly what it sounds like—temporary.

The Bottom Line: Vermont Deserves Better Policy

Vermont’s real estate market doesn’t need more uncertainty but relief. The combination of high mortgage rates, limited inventory, and rising material costs is a recipe for slower homebuilding, fewer sales, and even higher prices.

Tariffs may score political points, but they come at a direct cost to homebuyers and builders. This misguided strategy ignores the reality of an already struggling housing market.

If you’re navigating this volatile landscape, don’t go it alone. For expert guidance, contact Tony Walton and the team at NELandmark.com or call 802-253-4711. Vermont real estate is still full of opportunity—you just need the right strategy to seize it

Posted in Home Buying Tips, Home Selling Tips, National Real Estate Trends, Vermont Real Estate Trends
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Feb. 5, 2025

HOW TO BUY LAND FOR HOMESTEADING: A STEP-BY-STEP GUIDE


By Shola Abraham

Homesteading is a dream for many who seek self-sufficiency, sustainability, and a simpler way
of life. Whether you want to grow your food, raise livestock, or live off the grid,
purchasing the right piece of land is crucial to your success. Here’s a step-by-step guide to help
you find and buy the perfect homesteading property.

1. Define Your Homesteading Goals
Before starting your search, clarify your vision:
● Do you want to be off-grid or connected to utilities?
● Will you farm, raise animals, or focus on sustainability practices?
● How much space do you need for crops, livestock, or structures?

A clear plan will guide your property search and ensure you make the right investment.
2. Choose the Right Location
Consider factors such as:
● Climate & Growing Season: Research the region’s weather patterns and soil conditions.
● Water Availability: Look for properties with a natural water source like a well, spring, or
stream.
● Zoning & Regulations: Check local zoning laws, land use restrictions, and building codes
to ensure your homesteading plans are feasible.1
● Access to Resources: Proximity to markets, feed stores, or emergency services can be
important.
3. Determine Your Budget
Establish a budget that includes:
● Land cost
● Property taxes
● Site preparation (clearing land, installing utilities, building structures)
● Equipment and startup costs for farming, livestock, or sustainability projects

4. Find and Evaluate Properties
Search for listings through real estate agents and online platforms. When evaluating the land,
consider:
● Soil quality for farming
● Sun exposure for crops and solar power
● Natural hazards like flooding or fire risks
● Existing infrastructure (roads, fences, wells, or septic systems)
5. Secure Financing
If you’re not paying cash, explore financing options like:
● Land loans from banks or credit unions
● Owner financing
● USDA or agricultural loans for rural properties2

6. Inspect the Land
Before making an offer, visit the property at least twice and, if possible, bring experts like soil
testers, surveyors, or homesteading consultants. Check for:
● Boundaries and easements
● Soil fertility and drainage
● Legal access to water and roads

7. Make an Offer & Close the Deal
Once you find the right land:
● Negotiate a fair price
● Conduct necessary inspections
● Secure financing
● Work with your real estate attorney and agent to finalize the purchase

8. Plan Your Homestead Development
After purchasing the land, develop a plan for:
● Housing (tiny home, cabin, or farmhouse)
● Water and waste management
● Renewable energy sources like solar or wind
● Crops, livestock, and sustainability projects

Final Thoughts
Buying land for homesteading is a significant investment but with thorough research and
planning, you can create a self-sufficient and rewarding lifestyle. Take your time, explore your
options, and ensure the land aligns with your long-term goals.

Ready to turn your homesteading dream into reality? 🌿🏡 Finding the right land is the first step—let’s make it happen! Whether you're looking for off-grid freedom, sustainable farming, or a thriving working homestead, I’ll help you navigate the process and secure the perfect property. Let’s connect today and start building your future! Email me now! 

About the Author:

Shola Abraham believes in simplicity, clarity, and purpose—especially when it comes to real estate. With over a decade of experience, she specializes in making the buying process seamless, helping clients find not just land, but the foundation for their dreams. Whether you're starting a homestead, investing in rural property, or looking for a fresh start, Shola is here to guide you with confidence and ease. Ready to find your perfect piece of Vermont? Let’s make it happen

Posted in Community Insights, Energy and Sustainability, Home Buying Tips, Vermont Real Estate Trends
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