Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Texas and Vermont. Updated for 2026.
Metric
Texas
Vermont
Median Home Price
$310K
$380K
Property Tax Rate
1.8%
1.9%
Avg Closing Costs
$5K
$6K
Closing Cost %
1.7%
1.6%
Transfer Tax
None
1.45%
Homeowners Insurance
$3,800/yr
$1,100/yr
First-Time Buyer Program
TDHCA My First Texas Home
Up to 5% DPA grant
VHFA MOVE Mortgage
$5K–$15K DPA
Verdict
Texas wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $310K and lower overall costs, Texas offers meaningful savings compared to Vermont. Both states offer first-time buyer programs — explore the state pages for full details.