1st Advantage MortgageIn Windsor County, Vermont, the typical household earns $77,594 a year and the typical rent is $1,118. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Vermont before sharing details.
On this page
- Windsor County, VT: the basics
- Renting and owning in Windsor County
- How much Windsor County households make
- Employment and commuting in Windsor County
- Cities, towns and CDPs in Windsor County
- Counties near Windsor County
- Windsor County residents: age, schooling, coverage
- Local borrowing considerations for Windsor County
- Debt-to-income at Windsor County's medians
- Vermont rules that apply in Windsor County
- A Windsor County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Windsor County, VT: the basics
Roughly 57,990 residents live in Windsor County, Vermont, 4th by population among the state's 14 counties and county equivalents. Land area is 969 square miles (2024 Gazetteer), so density runs near 60 per square mile. Under the July 2023 OMB definitions, Windsor County is not part of any metropolitan area. Of the 35 Census places inside Windsor County, Hartford leads by population with about 10,736; 15 of the 35 are incorporated.
Renting and owning in Windsor County
Renters in Windsor County pay a median of $1,118 a month, 9% below the Vermont figure of $1,234. 42% of renting households spend 30% or more of income on rent, and 19% spend half or more. With a median value of $296,400, a typical Windsor County house costs 3.8 times what the median household earns in a year. The ownership rate is 75%.
| Home costs | Windsor County | Vermont | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,118/mo | $1,234/mo | $877/mo |
| Median home value | $296,400 | $316,600 | $185,300 |
| Owners | 75% | 73% | 75% |
| Rent-burdened renters | 42% | 48% | 45% |
| Burdened owners | 28% | 29% | n/a |
| Mobile homes | 5.5% | 5.9% | n/a |
| Vacant units | 27% | 19% | n/a |
Because most Windsor County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
How much Windsor County households make
Windsor County households have a median income of $77,594 (ACS 2020 to 2024), which ranks 7th of 14 in Vermont.
| Band | Windsor County | Compared with Vermont |
|---|---|---|
| Under $35,000 | 20.6% | +0.4 pts |
| $35,000 to $99,999 | 40.2% | +0.8 pts |
| $100,000 to $199,999 | 27.3% | -2.1 pts |
| $200,000 or more | 11.9% | +0.9 pts |
About 21% of households earn under $35,000, while 39% clear $100,000. 9.2% of residents fall below the federal poverty line (statewide: 10.1%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Windsor County median.
Employment and commuting in Windsor County
The biggest employer of Windsor County residents, by industry, is education and health care at 31% of workers, followed by professional and administrative services (11%). The survey's unemployment rate for Windsor County averages 4.4% over 2020 to 2024 (state: 3.6%). Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work. 6.1% of households have no vehicle.
| Industry (employed residents 16+) | Windsor County | Gap to Vermont |
|---|---|---|
| Education and health care | 30.6% | +1.8 pts |
| Professional and administrative services | 11.4% | +1.4 pts |
| Arts, lodging and food service | 10.6% | +1.7 pts |
| Retail trade | 10.3% | -0.7 pts |
| Manufacturing | 9.5% | -0.3 pts |
| Construction | 7.0% | -0.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Windsor County
The table lists the 14 largest of 35 Census places in Windsor County, by population. Together all 35 hold about 47,321 people, so roughly 18% of residents live outside any named place. Norwich has the highest median household income on the list ($173,594) and Springfield the lowest ($46,760), counting places with at least 500 residents. Median rent ranges from $818 in Springfield to $2,487 in Norwich. No Windsor County place has a separate guide yet; this county page serves all 35.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Hartford | town | 10,736 | $78,125 | $1,218 | 12 mi |
| Springfield | CDP | 4,237 | $46,760 | $818 | 20 mi |
| White River Junction | CDP | 3,364 | $77,168 | $1,222 | 15 mi |
| Wilder | CDP | 3,087 | $75,143 | $1,142 | 16 mi |
| Weathersfield | town | 2,856 | $83,095 | $1,401 | 14 mi |
| Royalton | town | 2,752 | $103,938 | $1,040 | 17 mi |
| Windsor | CDP | 2,060 | $51,197 | $1,002 | 12 mi |
| Sharon | town | 1,577 | $84,375 | $1,386 | 17 mi |
| Chester | CDP | 1,298 | $64,265 | $959 | 21 mi |
| Barnard | town | 1,211 | $97,581 | $1,372 | 11 mi |
| West Windsor | town | 1,171 | $108,750 | $1,100 | 8 mi |
| Norwich | CDP | 1,147 | $173,594 | $2,487 | 18 mi |
| Bridgewater | town | 980 | $70,272 | $850 | 7 mi |
| Woodstock | village | 936 | $87,292 | $1,209 | 6 mi |
Counties near Windsor County
The six counties whose centers lie closest to Windsor County's, from 23 to 45 miles away. 4 of the six report a higher median household income than Windsor County; Addison County is highest at $89,639 and Rutland County lowest at $68,616. The list crosses into New Hampshire, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Windsor County | - | $77,594 | $1,118/mo | 75% |
| Rutland County, VT | 23 mi | $68,616 | $1,000/mo | 75% |
| Sullivan County, NH | 24 mi | $80,858 | $1,211/mo | 75% |
| Orange County, VT | 32 mi | $82,232 | $1,173/mo | 83% |
| Windham County, VT | 40 mi | $72,217 | $1,056/mo | 74% |
| Addison County, VT | 42 mi | $89,639 | $1,177/mo | 79% |
| Grafton County, NH | 45 mi | $88,261 | $1,301/mo | 71% |
Windsor County residents: age, schooling, coverage
College graduates make up 43% of the adult population. The uninsured rate is 3.6%, against 3.9% for Vermont.
| Indicator | Windsor County | All of Vermont | U.S. county median |
|---|---|---|---|
| Median age | 47.6 | 43.1 | 41.5 |
| Bachelor's or higher | 42.9% | 43.8% | 22.2% |
| No high school diploma | 5.1% | 5.1% | n/a |
| No health insurance | 3.6% | 3.9% | 7.8% |
| No vehicle | 6.1% | 6.2% | 5.4% |
| Work from home | 17.9% | 16.9% | 8.7% |
| Poverty rate | 9.2% | 10.1% | 13.2% |
| Unemployment (ACS) | 4.4% | 3.6% | 4.4% |
| Commute length | Windsor County |
|---|---|
| Under 15 min | 32.6% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 19.8% |
| 45 to 59 min | 8.1% |
| 60+ min | 4.3% |
Local borrowing considerations for Windsor County
A few patterns in the Windsor County data, and the practical point behind each:
- Fixed incomes. Windsor County's median age is 47.6. Social Security and pensions count as income when documented.
- Consolidating cards in Windsor County. Compare the total repaid, not the monthly figure (how).
- Check your file. An error fixed before you apply can change the offers a Windsor County borrower sees (free reports).
Debt-to-income at Windsor County's medians
Windsor County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $6,466 before taxes
- Rent at the median, $1,118, takes 17% of that
- Under a 43% cap, $2,780 total minus rent leaves $1,662
If your rent is above $1,118, the room shrinks dollar for dollar.
Vermont rules that apply in Windsor County
Windsor County borrowers fall under statewide rules, enforced by the Vermont Department of Financial Regulation. The Consumer Financial Protection Bureau accepts complaints nationwide. The Vermont guide covers state rules in more detail.
A Windsor County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
For statewide rules and data, see the Vermont guide.
Frequently asked questions
What is the median household income in Windsor County?
$77,594 a year in the 2020 to 2024 Census survey, versus $81,203 for Vermont. It ranks 7th of 14 in the state.
How much is rent in Windsor County?
Median gross rent, utilities included, is $1,118 a month; 42% of renters spend 30% or more of income on it.
I own my home in Windsor County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 75% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Windsor County?
By population: Hartford, Springfield, White River Junction, Wilder, Weathersfield. The county has 35 Census places in all.
Can Windsor 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.