Chittenden County, VT Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chittenden County, Vermont? DLRadar grades every Chittenden County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Chittenden County breakdown.
- Chittenden County's most distressed ZIP is 05401 at 25/100.
- 21 ZIP codes tracked in Chittenden County, averaging 24/100 distress.
- Chittenden County reads peak — home values up 0.7% year over year, 0.5% off peak.
- Vacancy runs 5.1% across Chittenden County's tracked ZIPs, with a 11.8% poverty rate.
- The typical Chittenden County home is worth about $433,258 against a ~$94,310 median income.
- Lending headwind in Chittenden County sits at 61/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 05461 | 25/100 |
| 11 | 05462 | 25/100 |
| 12 | 05465 | 25/100 |
Most distressed ZIP codes in Chittenden County (composite distress 0-100, 2026)
What is driving Chittenden County distress
Chittenden County's placement in the national index rests on public filings — a 24/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Chittenden County market phase and pricing
DLRadar places Chittenden County in peak; prices moved up 0.7% over the year and remain 0.5% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Chittenden County
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Frequently asked
What is the most distressed ZIP code in Chittenden County, VT?
ZIP 05401 leads Chittenden County at 25/100, recomputed monthly from public records.
What stage of the price cycle is Chittenden County at?
Chittenden County is classified peak with a 0.7% year-over-year increase, following the FHFA House Price Index.
What is this Chittenden County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 21 Chittenden County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Chittenden County ZIP codes?
Averaging the county conceals how uneven it is. Across the Chittenden County ZIPs DLRadar ranks, scores run from 25/100 in 05401 down to 25/100 in 05465, against a Chittenden County average of 24/100. The 0-point range is the argument for ZIP-level search across Chittenden County.
What do Chittenden County home values and vacancy say about distressed supply?
The typical Chittenden County home carries about $433,258 of value against a median household income near $94,310. Vacancy across Chittenden County's tracked ZIPs runs 5.1% and the poverty rate is 11.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Chittenden County's foreclosure and lien data and its 61/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.