Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 05843 — Hardwick
The housing market in 05843 remains stable with low inventory and steady demand for single-family homes. Prices have seen modest year-over-year growth, reflecting the broader trend of limited supply in rural Vermont markets.
This ZIP is best suited for families and individuals seeking a rural lifestyle, outdoor enthusiasts, and those who can work remotely or commute to nearby regional centers.
Median prices moved up 2.5% year over year.
Homes spend a median of 68 days on market with 6.2 months of supply — a balanced-paced market.
15% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 11.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 05843, Caledonia County VT
Crime rates in Hardwick are generally low and consistent with rural Vermont averages, with property crime being the primary concern.
Schools serving the area are part of the Orleans Southwest Supervisory Union, generally characterized by small class sizes and community-focused instruction.
The area faces moderate risks from seasonal flooding near the Lamoille River and winter storm impacts, with standard insurance requirements for rural properties.
Economic momentum is driven by small-scale manufacturing, agriculture, and local tourism, with limited large-scale industrial development.
Property taxes are assessed at the municipal level with a state-wide education tax component; exemptions exist for primary residences under the Vermont Homestead Declaration.
Commutes are primarily car-dependent, with residents traveling to regional employment hubs like Montpelier or St. Johnsbury via Route 15.
The area offers extensive access to outdoor recreation including the Lamoille Valley Rail Trail, local ponds for fishing, and proximity to northern Vermont ski resorts.
The rental market is tight with low vacancy rates, driven by limited housing stock and demand from local workers and seasonal residents.
The local economy is anchored by agriculture, food production, and small-scale manufacturing, with a strong emphasis on local food systems.
Public transit is limited to regional bus services; most residents rely on personal vehicles for transportation.
Development is focused on small-scale residential infill and downtown revitalization efforts.
The town conducts periodic reappraisals to ensure property assessments align with fair market value.
Parcels are subject to local municipal taxes and the state-wide education property tax.
Property insurance premiums are influenced by rural fire protection ratings and flood zone designations.
Data retrieved from US Census Bureau ZCTA-level tables.
A major multi-use recreational trail passing through the town.
Community-maintained trails for hiking and cross-country skiing.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
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Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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