Cost of Living in Hartford, VT

Population 10,713 · Vermont · Data vintage 2023

Cost Index
(100 = US avg)

Page updated: April 2026 · Data vintage: 2023 ACS 5-Year

Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Under 25,000 residents gives Hartford a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $272,000.

Located 65 miles northwest of Manchester, Hartford is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 19% lower than Manchester's $336,000.

Cost Overview

Housing 89

Rent 90

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Hartford

The median home value in Hartford is $271,900 — 11% below the national median of $305,000. Median rent runs $1,177/month, 10% lower than the national median of $1,314/month. The median household income of $73,879/year is 1% lower than the US median of $74,580. The local unemployment rate is 3.1%, below the national average of 4.8%. Vermont's top state income tax rate is 8.8% and the combined sales tax is 6.2%. The climate averages highs of 57.5°F and lows of 34.6°F. Overall, Hartford has a cost of living index of 89 versus the US average of 100, meaning it is 11% less expensive.

🏠 Housing

Median Home Value

$271,900

11% below avg

Median Rent

$1,177/mo

10% below avg

Price-to-Rent Ratio

19.3x

Favors buying

Property Tax Rate

1.9%

Effective rate

HUD Fair Market Rents by Bedroom

Studio

$1,124

1 BR

$1,127

2 BR

$1,301

3 BR

$1,692

4 BR

$1,740

Owner-occupied 66.8%

Renter-occupied 33.2%

💰 Estimated Monthly Budget

Rent median rent

$1,177

Groceries national estimate

$400

Utilities local estimate

$88

Transportation local gas prices

$126

Estimated Total $1,791/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚

Eggs (dozen)

$0.548

🍞

White Bread (lb)

$1.912

🥩

Ground Beef (lb)

$5.61

🚗 Transportation

Avg Commute

18.1 min

33% below avg

Gas Price

$3.145/gal

0% below avg

Work From Home

11.3%

Commute Mode

Drove alone

74.6%

Carpooled

8.5%

Public transit

1.9%

Walked

2.6%

Bicycle

0.3%

Work from home

11.3%

⚡ Utilities

Electricity

$0.176/kWh

0% below avg

📋 Taxes

State Income Tax 8.8%

Total Sales Tax 6.2%

State rate 6.0%

Avg local rate 0.2%

Property Tax 1.9%

💼 Income & Employment

Median Household Income

$73,879

1% below avg

Per Capita Income

$45,441

Unemployment Rate

3.1%

36% below avg

Poverty Rate

10.9%

Labor Force Participation

54.4%

🎓 Education

Bachelor's degree+ 32.1%

Graduate degree 16.4%

👥 Demographics

Median Age 43.6

Male median age 36.4

Female median age 45.5

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High

57.5°F

Avg Low

34.6°F

Annual Precip

38.1"

Month	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
High °F	30	34	43	57	70	78	83	81	73	60	47	36
Low °F	9	11	21	32	44	52	58	56	49	37	28	18
Precip"	2.29	2.10	2.70	2.99	3.32	3.80	3.99	3.62	3.44	4.00	2.98	2.84

Frequently Asked Questions

What is the cost of living in Hartford, VT?

Hartford has a cost index of 89 (100 = national average). It is 11% below the national average.

What is average rent in Hartford, VT?

The median gross rent in Hartford is $1,177 per month based on 2023 Census data.

What is the average home price in Hartford?

The median home value in Hartford is $271,900 according to 2023 Census ACS data.

What is the median income in Hartford?

The median household income in Hartford is $73,879 per year (2023 ACS 5-year estimates).

What is the sales tax in Hartford, VT?

The combined state and local sales tax rate in Hartford is 6.2%. The Vermont state income tax top rate is 8.8%.

Is Hartford, VT affordable?

Yes, Hartford is generally considered affordable, with a cost of living index of 89 — about 11% below the US national average of 100.

What is the weather like in Hartford?

Hartford has average high temperatures of 57.5°F and average lows of 34.6°F. Annual precipitation is 38.1". Data from NOAA 1991–2020 Climate Normals.

Hartford at a Glance

Population: 10,713
Median Income: $73,879
Home Value: $271,900
Median Rent: $1,177/mo
Unemployment: 3.1%
Avg High Temp: 57.5°F
Sales Tax: 6.2%

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