Chittenden County, VT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Chittenden County, VT distress report, 2026: 21 ZIPs scored in Chittenden, VT, Chittenden, VT average 24/100; the top Chittenden, VT ZIP is 05401 at 25/100; Chittenden, VT market phase peak, Chittenden, VT prices +0.7% year over year.
- Chittenden, VT ranks #2,790 nationally (opportunity index); Chittenden, VT #14 in Vermont; Chittenden, VT index 24.5.
- Chittenden, VT ninety-day mortgage delinquency 0.4% in December 2025; Chittenden, VT twelve-month change +0.1%.
- Chittenden, VT ZIP phases: 18 peak, 2 neutral, 1 expansion.
- Chittenden, VT residential listings tracked: 223 across 18 ZIPs; Chittenden, VT candidate listings 53.
- Chittenden, VT HUD assisted properties: 19 with 1,311 units.
- Chittenden, VT lenders on watch: 4; largest Chittenden, VT footprint Northfield Savings Bank (6 branches).
- Chittenden, VT most distressed ZIP: 05401 at 25/100.
Chittenden, VT figures: DLRadar distress index; Chittenden, VT inputs: CFPB, FHFA, HUD, FDIC; Chittenden, VT rebuilt as sources refresh.
| Rank | Chittenden, VT ZIP | Score |
|---|---|---|
| 1 | 05401 | 25/100 |
| 2 | 05403 | 25/100 |
| 3 | 05404 | 25/100 |
| 4 | 05405 | 25/100 |
| 5 | 05408 | 25/100 |
| 6 | 05439 | 25/100 |
| 7 | 05445 | 25/100 |
| 8 | 05446 | 25/100 |
| 9 | 05452 | 25/100 |
| 10 | 05462 | 25/100 |
| 11 | 05465 | 25/100 |
| 12 | 05477 | 25/100 |
Most distressed Chittenden, VT ZIPs (0-100, 2026)
Mortgage delinquency in Chittenden, VT
0.4% of Chittenden, VT mortgages were ninety-plus days late (Chittenden, VT, December 2025); Chittenden, VT thirty-to-eighty-nine days late: 0.4%; Chittenden, VT twelve-month change +0.1%; Chittenden, VT peak since 2008: 2.0% (June 2012); Vermont overall 0.7%. Chittenden, VT ninety-day series: Dec 24 0.3, Jan 25 0.2, Feb 25 0.4 (Chittenden, VT), Mar 25 0.4, Apr 25 0.4, May 25 0.4 (Chittenden, VT), Jun 25 0.4, Jul 25 0.5, Aug 25 0.4 (Chittenden, VT), Sep 25 0.5, Oct 25 0.4, Nov 25 0.4 (Chittenden, VT), Dec 25 0.4.
Opportunity index: Chittenden, VT
Chittenden, VT index 24.5, Chittenden, VT phase weak; Chittenden, VT primary driver bank institutional, Chittenden, VT second driver listings discount. Chittenden, VT components: property stress 17.8, foreclosure pressure 17.4, listing discounts 24.6, bank stress 61.3, insurance 0.0; Chittenden, VT pulse 26.6; Chittenden, VT capital opportunity 21.3; Chittenden, VT seven-day change +0.2%.
ZIP market phases inside Chittenden, VT
21 Chittenden, VT ZIPs carry a price-cycle phase; Chittenden, VT ZIPs by phase (Chittenden, VT), deepest drawdown first: peak, +0.7% YoY, 0.5% off peak (Chittenden, VT): 05401, 05403, 05404, 05405, Chittenden, VT 05408, 05439, 05445, 05446, Chittenden, VT 05452, 05465, 05468, 05477, Chittenden, VT 05482, 05489, 05494, 05495.
Residential listings by Chittenden, VT ZIP
Chittenden, VT ZIPs with the most tracked Chittenden, VT residential listings: 05403 73 listings, 9 candidates, bank pressure 67; 05401 52 listings, 15 candidates, bank pressure 67; 05482 43 listings, 10 candidates, bank pressure 67; 05408 26 listings, 2 candidates, bank pressure 67 (Chittenden, VT); 05477 5 listings, 5 candidates, bank pressure 67; 05445 4 listings, 3 candidates, bank pressure 67; 05446 4 listings, 2 candidates, bank pressure 67; 05468 4 listings, 1 candidates, bank pressure 66. Chittenden, VT totals: 223 listings; Chittenden, VT candidates 53; active ZIPs 14.
HUD assisted housing in Chittenden, VT
19 assisted properties with 1,311 units sit in Chittenden, VT; largest Chittenden, VT properties: Northgate Apartments (Burlington) 336 units, 163 assisted; The Woolen Mill (Winooski) 168 units; Winchester Place Apartments (Colchester) 148 units in Chittenden, VT; Pine Senior Living Community Phase I, Ii, Iii (South Burlington) 125 units; Laurentide Apartments Fka 65 Cambrian Way (Burlington) 76 units; Mcauley Square (Burlington) 74 units.
Lenders with branches in Chittenden, VT
Chittenden, VT lenders by branch count: Northfield Savings Bank (Chittenden, VT): stress 76, 6 branches low in Chittenden, VT; Union Bank (Chittenden, VT): stress 85, 3 branches low in Chittenden, VT; Business Bank The (Chittenden, VT): stress 85, 1 branch low in Chittenden, VT; National Bank Of Middlebury (Chittenden, VT): stress 77, 1 branch low in Chittenden, VT.
Vacancy and permits, Chittenden, VT
3,432 of 74,888 Chittenden, VT housing units are vacant; Chittenden, VT permits, twelve months: 659 multifamily units in Chittenden, VT, 287 one-to-four unit units.
Work Chittenden, VT at the parcel level
Every Chittenden, VT parcel carries owner and address; every Chittenden, VT parcel carries APN; Chittenden, VT distress scores sit on the Chittenden, VT live board.
Chittenden, VT figures refresh with each source.
Chittenden, VT questions
Most distressed ZIP code in Chittenden County, VT?
ZIP 05401 leads Chittenden, VT at 25/100; next in Chittenden, VT: 05403 at 25/100; the Chittenden, VT average is 24/100.
Where does Chittenden County, VT rank for investment opportunity?
Chittenden, VT is #2,790 among all ranked counties, #14 in Vermont; the Chittenden, VT driver is bank institutional; Chittenden, VT moved up 49 places.
How many mortgages are delinquent in Chittenden County, VT?
0.4% of Chittenden, VT mortgages were ninety-plus days late in December 2025; the Chittenden, VT peak since 2008 was 2.0%.
Which banks lend in Chittenden County, VT?
4 watched lenders hold Chittenden, VT branches; the largest Chittenden, VT footprints are Northfield Savings Bank (6), Union Bank (3), Business Bank The (1).
More on Chittenden, VT
Chittenden County, VT distress report: public-record figures for Chittenden, VT; not legal advice for Chittenden, VT; not tax or investment advice; verify every Chittenden, VT record before acting.