1st Advantage MortgageIn Lamoille County, Vermont, the typical household earns $74,908 a year and the typical rent is $1,160. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Lamoille County by the numbers
- What Lamoille County households earn
- Employment and commuting in Lamoille County
- Rent, home values and ownership in Lamoille County
- Cities, towns and CDPs in Lamoille County
- Neighboring counties at a glance
- Budget math at the Lamoille County median
- Borrowing situations common in Lamoille County
- Lamoille County residents: age, schooling, coverage
- A Lamoille County borrower's checklist
- Checking a lender's license in Vermont
- More guides for Lamoille County
- Frequently asked questions
Lamoille County by the numbers
The latest five-year Census estimate puts Lamoille County's population at 26,148; only 11 of Vermont's 14 county-level areas are larger. Land area is 461 square miles (2024 Gazetteer), so density runs near 57 per square mile. Under the July 2023 OMB definitions, Lamoille County is not part of any metropolitan area. The Census Bureau counts 13 places in the county (10 incorporated, 3 census-designated); the largest is Morristown, with about 5,722 residents, or 22% of the county.
What Lamoille County households earn
At $74,908, the typical Lamoille County household income is 14% above the median U.S. county ($65,681). Only 7 Vermont counties post a higher median.
| Household income | Lamoille County | vs Vermont |
|---|---|---|
| Under $35,000 | 18.2% | -2.0 pts |
| $35,000 to $99,999 | 46.5% | +7.1 pts |
| $100,000 to $199,999 | 25.0% | -4.5 pts |
| $200,000 or more | 10.4% | -0.7 pts |
Some 18% of households here live on less than $35,000 a year; 35% have six-figure incomes. 8.5% of residents fall below the federal poverty line (statewide: 10.1%). The Gini index of income inequality is 0.459 (0 is perfect equality). None of these numbers decides a Lamoille County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Lamoille County
By the Census industry count, 28% of employed Lamoille County residents work in education and health care and 14% in arts, lodging and food service. Arts, lodging and food service stands out: 14% of workers here, versus 9% statewide. ACS puts five-year average unemployment at 3.3% in Lamoille County. 21% of commuters travel 45 minutes or more each way, and 12% work from home. 4.7% of households have no vehicle.
| Sector | Lamoille County | Compared with Vermont |
|---|---|---|
| Education and health care | 27.6% | -1.1 pts |
| Arts, lodging and food service | 13.5% | +4.7 pts |
| Professional and administrative services | 10.6% | +0.6 pts |
| Construction | 9.9% | +2.1 pts |
| Manufacturing | 8.9% | -0.9 pts |
| Retail trade | 7.9% | -3.1 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Rent, home values and ownership in Lamoille County
Renters in Lamoille County pay a median of $1,160 a month, 6% below the Vermont figure of $1,234. 45% of renting households spend 30% or more of income on rent, and 17% spend half or more. The median owner-occupied home is valued at $304,700, about 4.1 times the median household income. The ownership rate is 73%.
| Home costs | Lamoille County | Vermont | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,160/mo | $1,234/mo | $877/mo |
| Median home value | $304,700 | $316,600 | $185,300 |
| Owners | 73% | 73% | 75% |
| Rent-burdened renters | 45% | 48% | 45% |
| Burdened owners | 34% | 29% | n/a |
| Mobile homes | 9.7% | 5.9% | n/a |
| Vacant units | 17% | 19% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Cities, towns and CDPs in Lamoille County
The table lists the 13 largest of 13 Census places in Lamoille County, by population. Together all 13 hold about 16,617 people, so roughly 36% of residents live outside any named place. Among places of 500 or more people, median income runs from $48,633 in Johnson to $98,750 in Elmore. Rent is cheapest in Johnson ($947) and steepest in Stowe ($1,904). Live in one of these Lamoille County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Morristown | town | 5,722 | $66,273 | $1,214 | 4 mi |
| Morrisville | village | 2,664 | $68,240 | $1,289 | 4 mi |
| Johnson | village | 1,799 | $48,633 | $947 | 3 mi |
| Eden | town | 1,351 | $83,578 | $1,300 | 8 mi |
| Stowe | CDP | 1,003 | $85,031 | $1,904 | 10 mi |
| Elmore | town | 964 | $98,750 | $1,225 | 10 mi |
| Jeffersonville | village | 718 | $71,875 | $1,264 | 10 mi |
| Waterville | town | 680 | $71,250 | $1,110 | 11 mi |
| Hyde Park | village | 513 | $89,946 | $1,306 | 1 mi |
| Belvidere | town | 422 | $81,563 | $1,542 | 12 mi |
| North Hyde Park | CDP | 396 | $61,515 | n/a | 4 mi |
| Wolcott | CDP | 212 | $39,438 | $1,093 | 9 mi |
| Cambridge | village | 173 | $50,568 | $1,112 | 12 mi |
Neighboring counties at a glance
Nearest neighbors first, measured between county centers (22 to 35 miles). Grand Isle County leads the group on income ($97,396), Caledonia County trails ($69,970), and Lamoille County out-earns 2 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Lamoille County | - | $74,908 | $1,160/mo | 73% |
| Franklin County, VT | 22 mi | $81,313 | $1,180/mo | 77% |
| Washington County, VT | 23 mi | $83,449 | $1,163/mo | 74% |
| Chittenden County, VT | 24 mi | $96,759 | $1,646/mo | 64% |
| Orleans County, VT | 24 mi | $70,103 | $892/mo | 80% |
| Caledonia County, VT | 27 mi | $69,970 | $920/mo | 79% |
| Grand Isle County, VT | 35 mi | $97,396 | $1,425/mo | 90% |
Budget math at the Lamoille County median
Lamoille County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Lamoille County: $6,242
- Less median rent of $1,160, which is 19% of it
- With a 36% ceiling, about $1,087 remains for car, card, student and any new loan payments
- Under a 43% cap, $2,684 total minus rent leaves $1,524
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Lamoille County's.
Borrowing situations common in Lamoille County
The county's numbers point to a few situations that come up often for Lamoille County borrowers.
- Commuter costs. 21% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Tight rental budgets. With 45% of Lamoille County renters cost-burdened, test a new payment against a lean month.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Lamoille County residents: age, schooling, coverage
Degree holders: 44% of adults over 25. The uninsured rate is 6.7%, against 3.9% for Vermont.
| Residents | Lamoille County | Vermont | Middle U.S. county |
|---|---|---|---|
| Median age | 41.8 | 43.1 | 41.5 |
| Bachelor's or higher | 44.3% | 43.8% | 22.2% |
| No high school diploma | 6.3% | 5.1% | n/a |
| No health insurance | 6.7% | 3.9% | 7.8% |
| No vehicle | 4.7% | 6.2% | 5.4% |
| Work from home | 12.3% | 16.9% | 8.7% |
| Poverty rate | 8.5% | 10.1% | 13.2% |
| Unemployment (ACS) | 3.3% | 3.6% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 33.0% |
| 15 to 29 min | 28.9% |
| 30 to 44 min | 17.0% |
| 45 to 59 min | 10.1% |
| 60+ min | 11.1% |
A Lamoille County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Confirm the first due date before setting up autopay.
Checking a lender's license in Vermont
Licensing happens at the state level, so a lender working with Lamoille County borrowers answers to the Vermont Department of Financial Regulation. A CFPB complaint gets forwarded to the company for a response. The Vermont guide covers state rules in more detail.
More guides for Lamoille County
The Vermont guide covers the whole state.
Frequently asked questions
Is Lamoille County a high-income county?
Its $74,908 median ranks 8th of 14 Vermont counties and compares with $65,681 for the median U.S. county.
How much is rent in Lamoille County?
Median gross rent, utilities included, is $1,160 a month; 45% of renters spend 30% or more of income on it.
I own my home in Lamoille County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 73% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Morristown?
Yes, along with the other 12 Census places in Lamoille County, such as Morrisville, Johnson, Eden.
Can Lamoille County residents use the questionnaire?
Yes. It asks the same questions in every Vermont county, lists every requirement up front and does not affect your credit score.