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ZIP 05101 · Rockingham, VT · 4,135 residents · September 2026

Rockingham 05101: the market leans toward sellers.

Conditions tightening in sellers' favor. Typical home value $256K, −1.2% over 12 months; listings take 69 days to sell against 60 in the median U.S. ZIP.

Sources beside every figure · Zillow, August 2026 · Realtor.com, September 2026 · Census ACS 2023 · FEMA NRI

Market balanceSeptember 2026

BuyersSellersEven
Leaning seller+16

In Mar 2026: −5

Typical value$256K−1.2% over 12 months · Zillow, Aug 2026
Days on market69 daysU.S. median ZIP 60 days · Realtor.com
Listings with a price cut0%U.S. median ZIP 20% · Realtor.com
Fair market rent$1,410/moHUD fair market rent, 2 bedrooms, FY 2026
Active listings4−50% vs a year ago · Realtor.com
Sale-to-list—No Redfin sales figure for this ZIP
HavenScore43of 100

Higher than 19% of scored ZIPs

Affordability44
Growth38
Risk45
Momentum38
Livability55

Five parts, weighted. How the score works →

The reading

Where the balance sits this month and what moved it.

Month by month, since the gauge began

  1. Mar 2026−5
  2. Apr 2026+11
  3. May 2026+12
  4. Jun 2026+12
  5. Jul 2026+32
  6. Aug 2026—no reading on record
  7. Sep 2026+16

Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →

What is pulling the needle

  • 69 days on marketslower than the U.S. median ZIP's 60 days
  • 0% of listings cut pricefewer than the U.S. median ZIP's 20%
  • Sale-to-list —No sale-to-list figure for this ZIP
  • 4 active listings−50% vs a year ago

Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin.

Firming: prices −1.2% over the trailing year, with the market leaning toward sellers.

Asking price vs sale price
Typical value (index)$256,140Zillow ZHVI · Aug 2026
Median sale price—Redfin
Sale-to-list—Redfin
Sold above list—Redfin

Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.

Last 90 days

How the typical value and the listings moved over the last three months.

Typical valueHavenMay → Aug · Zillow
Active listingsHavenJun → Sep · Realtor.com
Days on marketHavenJun → Sep · Realtor.com
Listings with a price cutHavenJun → Sep · Realtor.com
The 90-day changes for this ZIP are part of Haven.
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Prices

Typical home value since 2000, and how far it moved over each window.

1 year−1.2%
3 years+8.8%
5 years+25.7%
10 years+74.7%
From peak−2.4%

Zillow Home Value Index · ZIP 05101 · monthly, through August 2026

The listings, days on market and market heat series on this chart are part of Haven.With the % change view and the state and U.S. reference lines.
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Zillow ZHVI peaked at $266,867 in May 2026; the latest value is −4.0% from that peak, 3 months on. Since January 2019 it is +73.4%. The sharpest 12-month move was −3.5%, ending March 2019.

Zillow's typical home value here, $256K in August 2026, is 11% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −1.2% here and +2.8% in the median U.S. ZIP.

Price tiers and bedrooms
Bottom tier$187K
Middle tier$256K
Top tier$355K
Single-family$257K

Starter homes here rose 69% in five years while top-tier homes rose 8% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

Zillow typical values by price tier, home type and bedrooms, August 2026.

How it ranks

Appreciation by window

WindowChangePer yearU.S. rankVermont rank
1 year−1.2%−1.2%/yrHigher than 17% nationallyHigher than 10% in Vermont
3 years+8.8%+2.9%/yrHigher than 57% nationallyTop 11% in Vermont
5 years+25.7%+4.7%/yrHigher than 58% nationallyHigher than 67% in Vermont
10 years+74.7%+5.7%/yrHigher than 41% nationallyHigher than 68% in Vermont
Since 2000+251.2%+4.8%/yr——

Zillow ZHVI · rank among scored ZIPs

This time of year Haven
The seasonal chart for this ZIP is part of Haven.With the reading of which months run highest and lowest here.
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Cycle position Pro
Where prices sit in the cycle is part of Pro.Prices against the model's value estimate, and the payment's share of income against five years ago.
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Forecast

Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.

Last three years, then the forecast band

HavenScore Forecast Model (v1) · run October 1, 2026
$220K$240K$260K$280K$246K202420252026$220K$240K$260K$280K$246K202420252026
3 months$246K−4.0% · $231K–$259KHigh confidence
6 monthsHaven
12 monthsHaven
24 monthsPro
36 monthsPro
The 6- and 12-month ranges are part of Haven.The 3-month reading is free. Haven adds what moves the forecast.
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A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →

Of the 3-month ranges we published since December 2025, 54% contained the actual price.

Payment

What a typical home here costs each month, against the typical income.

Monthly payment

$2,15036% of the median household income here ($71,625)
Principal and interest$1,512
Property tax$391
Insurance$103
Mortgage insurance$144

Between the 28% and 36% lines lenders use. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,236 a year (Treasury Federal Insurance Office).

Fair market rent, 2 bedrooms$1,410
vs
Payment on a typical purchase$2,150

Buying costs $740 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.

Price-to-income ladder

Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable

Cost of owning over time Haven
The 1-, 5- and 30-year cost of owning here is part of Haven.
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The place

What it costs to own here beyond the price, and what the neighborhood is like.

Median household income$71,625Census ACS
Price to income3.6×long-run average 2.1×
Property tax1.83%statutory, state
Insurance$1,236/yrtypical premium
Commute19 minmedian, one way
Walkability7 / 20EPA index
Hazard ratingRelatively ModerateFEMA NRI · wildfire 58 · flood 73
Population change−1.2% a year2018–2023, Census ACS
Median year built1938Census ACS
Owner-occupied65%Census ACS

Typical homes cost 3.6× the median household income here, against 4.9× in the median VT ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $71,625 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).

Hazard ledger
Overall riskRelatively Moderatescore 43 of 100 · county median 35
Flood73 of 100county median 60
Wildfire58 of 100county median 60
Hurricane68 of 100county median 69

FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 23 scored ZIPs in Windham County.

Housing cost burden
Owners spending over 50% of income7%U.S. median ZIP 5%
Renters spending over 30% of income42%U.S. median ZIP 39%

Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.

Behind the score

The inputs behind each of the five parts, against the U.S. median ZIP.

Affordability

44

Growth

38

Risk

45

Momentum

38
Haven
See every input behind the five parts, with its value and source
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Livability

55
Walkability7 / 20EPA Smart Location DatabaseBelow-average walkability
Transit access0.4 miEPA Smart Location DatabaseStop within a 10-minute walk
Job density61 jobs per sq miCensus LODESFew jobs nearby

Nearby

8 scored Vermont ZIPs within 12 miles; the ones below score within ten points and cost less.

Sources and freshness

Every figure on this page, where it came from and when.

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ZillowHome values, rents, price tiersAugust 2026
Realtor.comListings, days on market, price cutsSeptember 2026
RedfinSale-to-list, sold above list—
Census ACSIncome, commute, population, housing stock2023 five-year
FEMA National Risk IndexHazard ratingsDecember 2025 release
EPAWalkability2021
HUDFair market rent, 2 bedroomsFY 2026
Freddie MacMortgage rateSeptember 2026, monthly average
HavenScoreScore, balance, forecastScored October 1, 2026

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