Vermont foreclosures and housing market
How foreclosure works in Vermont, which counties lean to buyers or sellers, and how many homes are for sale right now.
How's the market in Vermont?
A seller's market.
Listings spent about 79 days on the market, and 18% had a price cut in October 2026.
Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.
Distressed properties in Vermont
Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.
Representative photoWe are not tracking properties in Vermont yet
Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for Vermont.
The closest place we track is Florida, with 1 property.
The Vermont market in October 2026
Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.
Vermont market score
- Homes for sale
- 2,882
- US: 1,179,101
- Typical days on market
- 79
- US: 66
- Listings with a price cut
- 18%
- US: 21%
- Homes for sale vs pre-pandemic
- −49%
- US: −7%
- October 2026 vs the October average for 2017 to 2019.
Market score by county
Check any countyGray counties had too few listings to score. Tap a county for its full answer.
Most buyer-friendly counties
Lowest scores among counties with 50+ homes for sale.
- 24Lamoille County92 days on market · 13% with a price cut · 201 for sale
- 29Essex County113 days on market · 15% with a price cut · 54 for sale
- 49Windham County78 days on market · 13% with a price cut · 357 for sale
- 51Grand Isle County86 days on market · 28% with a price cut · 57 for sale
- 55Franklin County80 days on market · 22% with a price cut · 212 for sale
Most seller-friendly counties
Highest scores among counties with 50+ homes for sale.
- 87Addison County83 days on market · 14% with a price cut · 102 for sale
- 73Caledonia County86 days on market · 18% with a price cut · 131 for sale
- 72Chittenden County63 days on market · 25% with a price cut · 464 for sale
- 72Washington County58 days on market · 19% with a price cut · 251 for sale
- 70Rutland County85 days on market · 20% with a price cut · 261 for sale
Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.
How foreclosure works in Vermont
Vermont foreclosures go through court, as strict foreclosure or foreclosure by judicial sale.
- Main steps and notices
- Strict foreclosure, with no sale, is allowed when the home has no real value above the debt and taxes. The borrower can ask for a sale instead.
- Mediation may be available in either kind of case.
- For a sale, notice is mailed at least 30 days ahead and published for three weeks, starting at least 21 days before.
- Catching up before the sale
- Reinstating after the redemption period and before the sale requires the lender's agreement.
- After the sale
- For an owner-occupied main home, the borrower can redeem up to six months after the decree unless a shorter period is set. There is no redemption after a judicial sale.
- Before any of this starts
- Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
- Governing law
- Vermont Statutes tit. 12, § 4931 et seq.
Sources
- Justia, Foreclosure laws and procedures: 50-state survey (last reviewed November 2022)
- Nolo, Foreclosure redemption period rights (state chart)
- Consumer Financial Protection Bureau, How to avoid foreclosure
General information, not legal advice.
Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.
Go deeper
- Check any county's marketPick a county in Vermont and see whether it leans to buyers or sellers.
- Read the buying guidesHow to buy pre-foreclosures, auction homes, bank-owned homes, HUD homes and short sales.
- Help if you're behind on your mortgageWhere you are in the process, your options, free counselors and scam warnings.
Vermont questions
Is foreclosure in Vermont judicial or non-judicial?
Vermont foreclosures go through court, as strict foreclosure or foreclosure by judicial sale.
Can a homeowner get the home back after a foreclosure sale in Vermont?
For an owner-occupied main home, the borrower can redeem up to six months after the decree unless a shorter period is set. There is no redemption after a judicial sale.
Can a borrower in Vermont catch up on the loan before the sale?
Reinstating after the redemption period and before the sale requires the lender's agreement.
Is Vermont a buyer's or seller's market right now?
A seller's market. Vermont scores 65 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 79 days on the market, and 18% had a price cut in October 2026. Source: Realtor.com® Economic Research.
How far behind does a borrower have to be before foreclosure starts?
Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.